Record it · Prove it · Get funded

The agribusiness bankability platform.

We help African Agri-SMEs build the capability, records and profiles they need to become more visible to finance and structured markets.

For Farmers For Institutions

Why Panuka Exists

The Problem, Our Answer, and Where It Leads

An agripreneur standing in a productive field

Viable Agri-SMEs the Financial System Cannot See

Across Sub-Saharan Africa, Agri-SMEs run viable businesses, yet they remain locked out of formal finance and structured markets. Six barriers hold them back, and each one makes the next worse:

Limited financial literacy

Hard to plan, cost, and present a business in funders' terms.

Absence of records

Activity is rarely documented — no evidence for a lender to assess.

Informality

Most enterprises operate outside any structured system.

No collateral or history

Little security and no track record on which trust can be built.

Invisibility to funders

Risk is hard to price, so financing defaults to caution.

Weak market linkages

No reliable buyers means no predictable cash flow.

The enterprises are viable — the evidence base is missing. A lender is not unwilling to lend; the lender simply cannot see the farmer. Aceli puts the region's annual Agri-SME financing gap at approximately USD 65 billion.

Choose how you use Panuka

Each path leads to a dedicated space built for you.

I'm an Agri-SMEUse Panuka to run and grow your agribusiness, and build your Bankability Scorecard.Go to Agri-SMEs I'm a Funder or PartnerSponsor Agri-SMEs onto Panuka and access a vetted, bankable pipeline.Go to Institutions

One Record, Entered Once, Working Everywhere

The farmer records the day once, in plain language. That single record then works for the farmer first — and for the funders and partners who need to trust it.

Entered once by the farmer

FarmerFundersPartners & Buyers

The Farmer

Runs the business on facts

The day is recorded once, in plain language, straight from the phone.
It becomes organised money, production and stock records — automatically.
Those records power costed season plans and everyday decisions.

Panuka Diary · Financial Tracker · Business Planner

Funders

Assess with real evidence

The same records assemble into a Bankability Scorecard and funder-ready documents.
Evidence a lender can read and verify — not estimates.
Risk becomes priceable, so financing decisions get faster and fairer.

Bankability Scorecard · Data Room

Partners & Buyers

Work with provable enterprises

Buyers and off-takers see a supplier with a real production track record.
Service providers and programmes reach enterprises they can verify.
Matches are made on evidence, across the whole network.

Opportunity Finder · Find Services

The AgriBiz Toolkit

Three tools built to turn your farm from a survivalist operation into a thriving commercial enterprise — plan it, run it, and prove it’s bankable.

Business Plan Builder

Answer guided questions and generate a bankable, investor-ready business plan you can export as a PDF.

Open the builder

Panuka Diary

Log activities, costs and yields as your season unfolds — your day-to-day record of what happens on the farm.

Coming soon

Bankability Scorecard

See how funders score your farm — and get clear, practical steps to improve your bankability.

Coming soon

Traditional farming records alongside modern digital tools

Yours

Shared only with your consent

Build a Bankable History

Stop missing out on funding because your records are messy. Panuka organizes your data to impress any lender.

Get the Credit You Deserve.

Most African farms are “invisible” to banks. By using Panuka AgriBiz Hub, you create a digital footprint that proves your productivity, reliability, and growth potential.

Verified Financial Statements
Direct Connection to Lenders
Institutional Grade Reporting

Start My Credit History

Mobile App

Run your agribusiness from your pocket.

Track your finances, logistics, and production on the go. Our mobile app is built for the field, ensuring you never miss a record—even when you're offline.

Works offline with auto-sync
Voice-to-text expense entries
Instant AI agronomy support

Trusted Partners

Trusted by partners across banking, conservation, government and development.

Corteva Agriscience
World Wide Fund for Nature (WWF) Zambia
Ecobank Zambia
Kansanshi Mine PLC (First Quantum Minerals)
USAID EDGE Programme
Estonian Centre for International Development (ESTDEV)
Finnish Institute of Public Administration (HAUS)
SNV Netherlands Development Organisation
EU Digital for Development Hub (D4D Hub)
National Technology Business Centre (NTBC)

Interested in partnering with Panuka? Start the conversation →

Traction

Real records. Real partners. Real finance-readiness.

We work hands-on with farmers, agro-dealers and the institutions that finance them — helping farms build the records and profiles lenders and buyers trust.

Latest Delivery · 12 June 2026

80 agro-dealers onboarded onto Panuka for Corteva Agriscience

Sponsored by Corteva Agriscience — building the business records that the input-supply network smallholder farmers depend on actually runs on.

agro-dealers onboarded

Corteva onboarding session — opening session at Intercontinental Hotel Lusaka

Corteva onboarding session — panel presentation

Corteva onboarding session — facilitator with participants

Corteva onboarding session — participants in session

588+

Agri-SMEs supported toward farming as a business since 2022

Agro-dealers onboarded for Corteva Agriscience (Jun 2026)

Bank RMs

Relationship managers enabled to serve agriculture

10+

Banks, corporates, DFIs & development partners

Practical Skills for Practical Farmers

The Panuka Academy offers curated courses led by Master Farmers who have built commercial success in Africa.

View all courses

6.1 hours

Risk Management Fundamentals for a Farming Enterprise

This course equips agripreneurs with essential skills to identify, assess, and mitigate various risks inherent in agricultural ventures. Starting with an overvi…

69 lessons · 8 modules

5.5 hours

Accounting and Financial Management Fundamentals

This course is designed to equip agripreneurs with essential financial management skills tailored for agricultural enterprises. It starts with fundamental conce…

30 lessons · 7 modules

8.6 hours

Fundraising Strategies and Options for Agripreneurs

Panuka AgriBiz Hub presents "Fundraising Strategies and Options for Agripreneurs: The Bankability Lens," catering to the funding challenges faced by African agr…

49 lessons · 8 modules

6.0 hours

Farming as a Business Blueprint

This course is your blueprint for turning farming into a thriving business. Designed for beginners and those already farming, it addresses the challenges of usi…

48 lessons · 5 modules

Upcoming Events

Learn on the farm. Build the business.

Two hands-on days at Panuka Farm, Lusaka — classroom sessions, field practicals, and tools you can use immediately.

View all dates

Agripreneurs learning together at Agribusiness Bootcamps

20 — 21 August 2026Open for registration

Mid-Year Edition

Panuka Farm, Lusaka

ZMW 3,500/ person

Hands-on farm practicum at Agribusiness Bootcamps

18 — 19 October 2026Open for registration

Year-End Edition

Panuka Farm, Lusaka

ZMW 3,500/ person

Publications

Practical guides for farm business

Handbooks and resources written for African agripreneurs — available in digital and print.

Over 2,000 Copies Sold

Farming as a Business

A Practical Handbook for First-Time Farmers in Developing Countries

Transform Your Farm into a Thriving Business

Written by Bruno N. Mweemba (Mr. Panuka), this practical handbook is designed for first-time farm owners and those seeking to formalize their operations. This guide draws on 20+ years of development finance and farming experience, offering realistic insights grounded in African agricultural realities. It covers farm establishment, survival strategies, and early growth — everything you need to run your farm as a real business.