Access to formal credit is a key challenge for the farmers in Pakistan. According to SBP data access to formal credit in agriculture is 11% whereas the rest rely on informal credit.

89% of farmers are small landowners, having less than 6 acres in Pakistan. These small farmers often do not have quality collateral to offer to commercial banks.

Vital Green in partnership with MFIs has developed a unique credit scoring tool that enables the financial institutions and Vital Green to better assess the creditworthiness of the farmers. These farmers are provided with easy access to credit by leveraging data.