BUSINESS MODEL

Obrightey LTD Service Policy

“Pay-With-Produce” Model

1. Policy Purpose

To support smallholder farmers with affordable access to mechanization and training services, we offer flexible payment options where farmers can repay through a percentage of their harvest, ensuring zero upfront costs.

2. Service Coverage

This policy applies to:

  • Land preparation (ploughing/harrowing)

  • Planting & seeding services

  • Threshing & post-harvest support

  • Agronomic training programs

3. Payment Terms

  • Standard Option: Farmers repay 10–15% of the harvested output (e.g., maize, soybean, sheanut) based on service type and scale.

  • Adjustments: Percentage may vary for:

    • Crop type (e.g., 10% for maize, 12% for soybean).

    • Farmer group discounts (e.g., women/youth cooperatives).

  • Transparency: Output share is calculated post-harvest, with farmers retaining 85–90% of their yield.

4. Farmer Commitments

  • Provide accurate farm size/acreage.

  • Allow Obrightey LTD to verify harvest volumes (joint measurement).

  • Prioritize Obrightey for future services if satisfied.

5. Our Guarantees

  • No Hidden Fees: All costs communicated upfront.

  • Fair Valuation: Harvest value based on local market rates at repayment time.

  • Risk Mitigation: If yields fail due to extreme weather, repayment terms are renegotiated.

6. Example Calculation

Farmer A receives mechanized land prep for 2 acres of maize:

  • Expected yield: 1,200 kg/acre (Total: 2,400 kg).

  • Service repayment: 12% of 2,400 kg = 288 kg.

  • Farmer keeps 2,112 kg (88% of harvest).

7. How to Enroll

  1. Request services via phone/office.

  2. Sign a simple Memorandum of Understanding (MoU).

  3. Receive services with no upfront payment.

 

Why Farmers Choose This Model:

  • No cash required during planting/harvest seasons.

  • Aligns incentives—we succeed when your yields improve.

  • Builds long-term partnerships based on mutual growth