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Loan and input management for sugar mills

Every advance, every bag of fertiliser and every litre of fuel tied to the grower who took it and the field it went into — then checked against the condition of the crop it paid for.

The problem

Exposure the mill cannot see until recovery time

A mill can be carrying tens of millions of rupees across hundreds of growers and still not be able to answer two questions: what does each grower currently owe, and is the crop that money paid for actually growing?

Problem 01

Scattered records

Advances in one ledger, seed cane in another, fuel and fertiliser on a clerk's register. No single balance per grower.

Problem 02

Balances known too late

What a grower owes becomes clear at recovery time — long after anything could have been done about it.

Problem 03

Money detached from the crop

The finance ledger has no idea whether the field an advance funded came up, flooded or failed.

Problem 04

Lending on memory

Next season's advances get sized on relationship and recollection rather than on what each grower actually delivered.

The approach

One balance per grower, one condition per field

AgriFlow already holds the verified grower record and the mapped boundary. Loan and input tracking attaches to the same record, so the money and the crop stop being separate systems.

  • Cash advances on record. Every disbursement logged against the grower and the season, not a paper chit.
  • Inputs in kind counted. Seed cane, fertiliser, agrochemicals, fuel and equipment support, all valued against the same account.
  • Live outstanding balances. What each grower owes right now, updated as advances and recoveries post — not reconstructed at season end.
  • Exposure against field condition. The advances sitting on fields flagged as stressed are the ones worth a visit this week.
  • Evidence for next season. Lending decisions backed by what a grower's fields actually produced, season over season.
AgriFlow digital grower registry listing registered sugarcane growers by village and cane circle

The base it runs on

Lending attaches to a record that already exists

50,577Growers with a verified profile to lend against
100,000 acMapped acreage backing those accounts
61,000Financed fields under weekly condition checks
11Cane circles covered across three mills

Loan and input tracking runs on the same grower and field record described in the Macca Group deployment. Figures are production numbers from that deployment.

The result

What changes for the finance team

  • A single outstanding balance per grower, available at any point in the season
  • Total exposure by circle, by village and by mill, instead of by ledger
  • Advances cross-referenced against the condition of the fields they funded
  • Problem accounts surfaced during the season, while intervention still pays
  • An objective performance record behind every renewal decision
  • Agronomy, finance and operations arguing from one set of numbers

The question worth asking: of the advances you issued this season, how many are sitting on fields that are already in trouble? A mill that can answer that in month three is running a different business from one that finds out at the gate.

AgriFlow within-field vigour zones for a sugarcane field, showing low, medium and high vigour areas with acreage

See how the underlying grower record was built in the Macca Group case study, or the full platform capabilities.

Get started

See your exposure against your fields

Tell us roughly what you disburse in a season and how many growers you finance. We will show you what that looks like inside AgriFlow.

  • A demo using your own circles and villages
  • A clear picture of what a first season would cover
  • An honest answer if it is not the right fit

Windsor & Maidenhead, United Kingdom · Punjab, Pakistan
info@comsoftcorporation.com

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