Kenya's Agricultural Finance Corporation (AFC) is pioneering a wholesale lending model to address the continent's estimated $100 billion annual agricultural finance gap.

• The AFC has successfully shifted from direct lending to a wholesale model, channeling funds through intermediaries like SACCOs and cooperatives to reach over 213,000 smallholder farmers.
• This innovative approach bypasses traditional collateral requirements, utilizing social collateral and group guarantees, and has led to a significant increase in loan disbursements and a reduction in non-performing loans.
• The model is being showcased at the FINAS 2026 Summit in Nairobi, with discussions on its potential scalability across Africa's diverse financial landscapes.