Unlock Capital
for Every Trade.
lockt's AI-powered trade finance products give exporters, farmers, and cooperatives access to working capital — without the traditional banking barriers.
Capital Built for Every Stage.
Whether you're a solo farmer, a growing exporter, or a large cooperative, lockt has a financing product matched to your trade profile.
Invoice Financing
Get paid before your buyer pays.
Advance up to 80% of your invoice value immediately. Repay when your buyer settles — no need to wait 30, 60, or 90 days.
- Advance up to 80% of invoice value
- Repay when your buyer settles
- Flexible repayment tied to trade cycle
Agricultural Input Loans
Finance your farm. Grow more. Earn more.
Secure funding for seeds, fertilizer, pesticides, and farm equipment. Structured repayments aligned to your harvest cycle.
- Finance seeds, fertilizer, equipment
- Loan amount: $500 – $50,000
- Tenure: 6–12 months
Equipment Finance
Fund the tools that power your trade.
Acquire processing, packaging, or logistics equipment without upfront capital. Long-tenure loans matched to asset lifespan.
- Fund processing or logistics equipment
- Loan amount: $5,000 – $500,000
- Tenure: 12–36 months
Cooperative Working Capital
Group strength unlocks greater capital.
Purpose-built group lending for registered farmer cooperatives. Lower rates, higher limits, shared accountability structures.
- Group lending for farmer cooperatives
- Loan amount: $10,000 – $2,000,000
- Tenure: 3–18 months
No Credit History?
No Problem.
Traditional banks use credit bureaus. lockt uses trade behavior — the actual evidence of how you conduct business. Our AI analyzes your entire platform history to build a real picture of creditworthiness.
Used for loan eligibility and rate-setting. Higher score = better rates.
6 Trade Signals We Analyze
Our model cross-references all six signals in real-time. First-time applicants with strong escrow behavior and zero disputes regularly qualify within hours — no bureau check required.
From Application to Funded.
No branch visits. No paper stacks. No weeks of waiting. Our digital process gets qualified applicants funded in under 72 hours.
Complete KYC & Verify Your Business
Submit identity documents, business registration, and bank details. Our automated KYC engine verifies you in minutes.
Build Your Trade History
Complete at least one trade on the platform. Your escrow behavior, document quality, and payment record begin building your AI credit profile.
Apply via Dashboard
Navigate to Trade Finance in your dashboard. Select the product that fits your needs, enter your requested amount, and submit.
AI Reviews Your Creditworthiness Score
Our AI engine analyzes your 6 trade signals and generates a creditworthiness score within 4 hours. No hard credit check, no bureau pull.
Funds Disbursed to Your lockt Wallet
Approved applications receive funds directly to your lockt wallet within 72 hours. Use them instantly for trade, inputs, or equipment.
Powered by a Network of Finance Partners.
Loan products are provided by licensed financial institution partners who leverage our AI credit scoring to extend capital to verified trade participants.
All lending partners are regulated financial institutions operating within their respective jurisdictions. lockt acts as a technology platform, not a lender.
Which Product Are You Eligible For?
Check which requirements apply to each finance product before you apply.
| Requirement | Invoice | Agri | Equipment | Coop |
|---|---|---|---|---|
| KYC / Identity Verified | ||||
| 1+ Completed Trade | ||||
| Active Farmer Account | ||||
| Farmland Verification | ||||
| Registered Business | ||||
| 6+ Months on Platform | ||||
| Registered Cooperative | ||||
| 10+ Members on lockt |
Risk Disclosure
Trade finance products are subject to credit review and approval. Rates vary based on creditworthiness score. Not all applicants will qualify. Loan products are provided by licensed financial institution partners, not lockt International directly. lockt is not a bank or licensed lender. All financing is subject to the terms and conditions of the applicable lending partner.
Ready to Apply?
Check your eligibility in under 5 minutes.
No hard credit check. No bureau pull. No branch visit.