HelloAG Group · Financial Inclusion Division
HelloAG Finance
Unlocking Capital.
The largest barrier in Caribbean agriculture is not production. It is access to capital. HelloAG Finance reduces lending risk through agricultural intelligence — becoming the data layer that makes smallholder lending viable for banks, credit unions, and development funds.
Building 2026 · Partnership Enquiries Open
The Strategic Position
We do not lend.
We make lending possible.
HelloAG Finance is not a bank. The immediate opportunity is to be the intelligence infrastructure that reduces risk for existing lenders. The ABRS score, HAG-ID, and production records make agricultural credit decisions evidence-based rather than relationship-based.
The Agricultural Credit Problem — and the HelloAG Solution
Caribbean banks do not lend to smallholder farmers because they cannot price the risk. Farmers have no formal records, no collateral valuation, no production track record that a bank's credit model can read. The result: agricultural credit stays inaccessible, farms remain subsistence-level, and rural economies stagnate. HelloAG Finance breaks this loop by creating the verified data layer that makes credit decisions evidence-based.
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Step 1
Farmer enrolls in MileGully OS, completes ABRS assessment
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Step 2
ABRS score generated — 0–100 across 5 verified pillars
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Step 3
Bank uses ABRS Grade A (70+) as credit pre-qualification signal
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Step 4
Farmer accesses credit for the first time, builds repayment record
Three Financial Products
Wallet. Credit.
Risk.
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HelloAG Wallet
A digital farmer wallet connected to the HAG-ID system. The payment and collection layer for the agricultural supply chain.
Farmer digital wallets tied to HAG-ID
Input purchasing through the marketplace
Payment collection from hotel buyers
Subsidy and grant distribution channel
Incentive program administration
Building · Q4 2026
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HelloAG Credit
Working capital solutions structured around agricultural production cycles. Not loans — financial instruments matched to how farming actually works.
Invoice factoring — sell hotel invoices for immediate cash
Purchase order financing — borrow against hotel contracts
Input financing — pre-season input procurement
Harvest cycle credit — repay at harvest, not monthly
Planned · 2027
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HelloAG Risk
The intelligence layer that transforms agricultural lending from relationship-based to evidence-based. Risk models derived from real production data, not estimates.
ABRS credit scoring — live now via MileGully OS
Production scoring from field records
Weather risk modelling from IoT and satellite
Crop insurance partnership structuring
Portfolio intelligence for lender risk management
ABRS Live · Full Product 2027
Strategic Partners
We are seeking
founding partners.
HelloAG Finance is open for founding partner discussions with institutions that understand the Caribbean agricultural credit market opportunity. The infrastructure exists. The ABRS data is live. The partnership opportunity is now.
Commercial Banks
Credit Intelligence Partner
Use ABRS scores as agricultural credit pre-qualification. Access verified production records and track records through the HelloAG API.
Credit Unions
Member Finance Partner
Serve agricultural members with data-backed credit products. ABRS reduces default risk while expanding the bankable farmer population.
Development Funds
Deployment Partner
IDB, CDB, IFC — deploy agricultural finance programmes through verified HelloAG farmer data. M&E tracked automatically in the platform.
Impact Investors
Portfolio Intelligence
Invest in ABRS-backed agricultural loan portfolios with verified production data, weather risk models, and real-time performance tracking.
Agro-Investment Corp.
Credit Deployment Partner · AIC
Proposed MOU: ABRS Grade A (70+) as official AIC fast-track agricultural loan pre-qualification. Transforming HelloAG from platform to national infrastructure.
Insurance Partners
Crop & Weather Risk
Structure parametric crop insurance products using HelloAG's Digital Twin weather models, production records, and AMIB commodity price data.