Escrow-backed funding
Investor funds sit with a licensed trustee, not with SmileAgrimarket. The trustee releases money once the conditions are met.
Private beta · Nigeria
Invest in real farms. Fund growth. Track every naira.
SmileAgrimarket connects investors with vetted farm projects through escrow-backed, milestone-based funding. You follow every naira from the day you commit it to the day the harvest sells.
Escrow-backed. Investments carry risk and returns are not guaranteed.
- Funds held in escrow
- 100%
- Milestone release stages
- 4
- Naira held by the platform
- 0
Funds held in escrow
Milestone release stages
Naira held by the platform
Kaduna Maize · Cycle 14
Verified operator · SA-2291
Funding progress0% funded
₦ 0.0M/ ₦ 24.0M target
Escrow balance
₦ 6.2M
Harvest window
Nov 2026
Milestone releases
- ₦ 4.8M
Land preparation
released
- ₦ 6.4M
Planting
released
- ₦ 7.2M
Maintenance
In progress
- ₦ 5.6M
Harvest & settlement
upcoming
Why it's safe
How your money stays protected
You commit real money to real farms. We hold your funds in escrow and show you every step of where they go.
Verified farm operators
Every operator is screened for identity, land rights, and track record before a project is listed.
Milestone-based disbursement
The trustee releases capital in stages that track real farm progress: land prep, planting, maintenance, harvest.
Transparent reporting
Follow each project through a shared dashboard with updates, photos, and a full record of every disbursement.
How it works
Four steps from funding to harvest
One path, start to finish. Every stage clears before the next one opens.
01
Browse verified farms
Review vetted projects with their operator profile, funding target, timeline, and documented risk factors.
02
Fund through escrow
Commit to a project. Your funds are held by a licensed trustee partner until milestone conditions are met.
03
Track farm milestones
Watch progress in real time. Each disbursement releases as the operator clears a verified stage.
04
Receive payouts after harvest
Proceeds are reconciled and distributed through the same trustee once the harvest is sold and settled.
Who it's for
For investors and the operators they back
Investors want accountable exposure to farming. Operators need structured capital to grow. Both start in the same place.
For investorsPut capital into farms you can watch
Back vetted farm projects with clear timelines and documented risk. Follow every naira from escrow to harvest.
- Escrow-held funds released against verified milestones
- Project-level dashboard with progress and disbursement history
- Documented risk factors before you commit
- Payouts reconciled and distributed by a licensed trustee
For farm operatorsFund your next cycle without losing control of your farm
Reach vetted investors and draw capital in stages as you deliver. Each cycle builds a track record for the next one.
- Structured, milestone-based capital for each growing cycle
- A verified profile that builds your funding history
- Light reporting tools built for the field
- Settlement handled through regulated partners
The difference
Why SmileAgrimarket
Informal farm investment asks you to trust a promise. We replace the promise with structure you can inspect.
| What you get | AgrimarketSmileAgrimarket | TraditionalTraditional farm investment |
|---|---|---|
| Transparency | Included | Not included |
| Escrow | Included | Not included |
| Milestones | Included | Not included |
| Progress tracking | Included | Not included |
| Risk visibility | Included | Not included |
| Investor dashboard | Included | Not included |
What's inside
The tools that keep everyone accountable
You can see where your money is and what it's doing, at any moment.
Escrow protection
A licensed trustee holds the funds and releases them when milestone conditions are met. The platform never touches your money.
Farm verification
We check identity, land rights, and operator history before we list any project for funding.
Real-time updates
Field updates, photos, and status changes land in your dashboard as each project moves forward.
Milestone releases
Capital releases in stages as the operator hits verified progress. Funding stays tied to delivery.
Performance dashboard
Track funding, disbursements, and harvest status across every project you back in one view.
Compliance ready
Built to work alongside licensed financial, payment, and trustee partners under Nigerian data rules.
Compliance
How compliance works here
SmileAgrimarket works with licensed financial, payment, and trustee partners who manage the funds. The platform never takes custody of your money.
Licensed partners
Regulated financial and trustee partners manage the funds.
NDPR ready
Data handling built to align with Nigeria's data protection rules.
Escrow enabled
Milestone-based disbursement through a licensed escrow structure.
We'll publish partner and regulatory details in full as the beta opens. We don't show certifications we haven't earned.
FAQ
Questions, answered plainly
Still unsure about something? Email hello@smileagrimarket.com and a real person will reply.
We list farm projects from vetted operators. Investors fund a project, and the capital is held by a licensed trustee in escrow. Funds are released to the operator in stages as they reach verified milestones, and proceeds are distributed back through the same trustee after harvest.
Join the private beta
Invest in farming you can track.
Reserve early access. We onboard investors and operators in small, verified groups so we can vet every project with care.
- Escrow-backed
- Milestone releases
- Licensed partners