Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Farmerline Issue 2: 6.5% Bond

36 months to mature 6.5% interest

Farmerline Issue 2: 6.5% Bond



Days to run

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invested Boost African Farmer's Productivity

Through support in accessing quality materials and equipment, training and introductions to new markets

households Improving Lives

By helping farmers and farm workers in Ghana to increase their income, grow an expand, while adopting sustainable farming methods

Invest to empower smallholder farmers in Ghana

Farmerline is a Ghanaian agri-technology company that specializes in providing digital solutions to smallholder farmers and agricultural businesses.

The offerings provided by Farmerline not only generate positive impacts in terms of ecological and societal resilience, but they also play a role in enhancing efficiencies within the agricultural value chain that promote sustainable agriculture and improve livelihoods.

The company helps transform smallholder farmers into prosperous entrepreneurs by providing access to high-quality production inputs, training on the best farming practices, and access to markets.

About Farmerline

  • Incorporated date 2012
  • Offices in Ghana
  • Reached over 1.7 million farmers via third-party licensing of its propriety Mergdata software
  • Key product information

    Issuer: Farmerline Ltd

    Issuing Country: Ghana

    Investment target: £200,000

    Minimum investment: £50

    Maximum investment: No maximum

    Maturity: 36 months

    Expected interest rate: 6.5% per annum

    Withholding tax rate: 8% (applicable to UK residents who do not invest within an IF ISA)

    Interest payment frequency: 6 monthly

    Capital repayment: 6 monthly / (from 18 months onwards)*

    Financial instrument: Unsecured interest bearing bond

    Security: Unsecured

    (Only include if a grace period applies)*For the first 18 months after the Issue Date, a "Grace Period" applies during which no capital repayments occur. The first capital repayment will take place 18 months after the Issue Date. Please refer to the amortization schedule found on Page 29 of the offer document.

    Key risks

    This is a bond issued by a single company (rather than a saving product) and therefore it is recommended that you are careful with the amount you invest.

    You must read the offer document (provided below) where a statement of risks is presented, particularly in section 5 – Risk Analysis Overview


    See what Farmerline do

    What the project investment will enable

    The West African agricultural market is mostly made up of smallholder farmers, who lack access to inputs, knowledge and markets. Farmerline’s unique tech-enabled approach allows them to serve smallholders efficiently. By educating smallholders on best practices Farmerline both drives market demand and improves smallholder livelihoods.

    The funds from this raise will be allocated to support smallholder farmers by providing financing for agricultural inputs such as fertilizers, seeds, and crop protection, as well as essential assets like tractors, threshers, and combine harvesters through credit arrangements.

    Farmerline Ltd

    Farmerline's offering is customized to suit the needs of small-scale farmers in West Africa, with a significant emphasis on localized education. They utilize their exclusive Mergdata farmer management platform to engage with smallholder farmers in both Ghana and Cote d'Ivoire.

    The company aim to raise £200,000 from this bond issue and will use the funds to finance agro-inputs (fertiliser, seeds, and crop protection) and assets like tractors, threshers, combine harvesters for smallholder farmers on credit. 

    Social and environmental impact

    The impact of Farmerline's services resonates across several Sustainable Development Goals (SDGs), including SDG 1 (No Poverty), SDG 2 (Zero Hunger), SDG 5 (Gender Equality), SDG 8 (Decent Work and Economic Growth), SDG 12 (Responsible Consumption and Production), and SDG 13 (Climate Action).

    Social Impact

    Social Impact

    Farmerline’s mission is to create lasting profits for farmers by providing them what they need via bundle services with the help of technology.


    farmers reported improvement in their way of farming because of Farmerline’s training


    average growth in income per acre (2019 to 2021)


    average growth in yield per acre (2019 to 2021)

    Environmental Impact

    Environmental Impact

    Farmerline places emphasis on climate-smart agricultural practices to support ecologically and socially relisilent food systems. Through its climate action initiative Mission 13, Farmerline have reached:

    2 million

    Acres of farmland

    1.7 million

    Small holder farmers


    thousand strategic partnerships across 48 countries

    • pdf

      Offer Documents

      Offer Document (Log In to download)


    Frequently Asked Questions