Harness Capital Partners – Institutional Access to African Agro-Commodity Private Credit

Private credit built on real flows, not spreadsheets.

Track deliveries, invoices, and payments across African agro-commodity supply chains in real-time. Unlock collateral-backed yield the market couldn't monitor before.

About Harness

Autonomous rails for short-cycle, collateral-backed real yield.

Our AI-driven autonomous systems orchestrate every inventory and capital movement across high-volume agro-commodity supply chains in Africa.

Embedded in workflows of mid-to-large midsteam operators, we automatically verify inventory and receivables, and route collections through our rails. This allows us to create pooled, risk-banded credit programs institutional investors can programmatically underwrite and monitor in real time.

Our Product Offering

Infrastructure engineered for risk, control and liquidity.

Access verified, collateral-backed lending with real-time data and predictable short-cycle yields, integrated directly into your existing credit stack.

Live program console

Real-time visibility into borrowing bases, utilization, repayment curves, exposure, and risk bands—all in one dashboard built for institutional oversight.

Automated risk monitoring

Continuous monitoring of collateral, exposure, and facility limits using verified transaction data—with automated alerts when risk shifts, volumes deviate, or buyer behavior weakens.

Data room & integrations

Export event-level data to your risk models and reporting systems. API integration available. Designed to plug into your existing credit infrastructure.

Automated collections & settlement

Buyer payments route through dedicated infrastructure. Repayments distribute automatically, facilities refresh instantly, and operators draw liquidity without renegotiation.

Why Harness

Programmable credit with institutional-grade controls.

Verifiable flows, hard limits, clean FX, and real-time reporting. Built from the credit manager's seat, Harness gives you the data and controls to underwrite and monitor with institutional discipline.

Verified collateral, not self-reported data

Every delivery, invoice, and payment is captured as a time-stamped event on an immutable ledger. Borrowing bases are built on verified flows—not operator spreadsheets or month-end summaries.

Rule-based exposure and covenant management

Facilities are sized and refreshed automatically based on pre-defined eligibility criteria, concentration limits, and LTV thresholds. Program-level rules enforce discipline continuously—not just at origination.

Controlled collections and repayment waterfalls

Buyer payments flow through dedicated virtual accounts with pre-set waterfall logic. Repayments route to investors according to agreed priorities, with full traceability from payment to allocation.

FX risk management and USD-stable design

For USD investors, programs are structured to isolate FX risk: USD-in, USD-out structures, FX-aware borrowing bases, and explicit buffers at the program level. Currency is treated as a core risk variable, not an afterthought.

Real-time visibility for risk, ops, and reporting teams

Dashboards, exports, and APIs give risk, operations, and reporting teams real-time visibility into exposures, performance, and exceptions. Every event is auditable, every movement explainable.

Neutral infrastructure, aligned incentives

Harness is not a balance-sheet lender. We provide the infrastructure, verification rails, and controls that make these programs investable. Our economics reward disciplined performance, not volume at any cost.

Plug into Africa's most underpriced credit opportunity

Harness connects agro-commodity flows to institutional capital. See why leading funds are allocating now.

For the Investment Committee

Frequently Asked Questions

What risks do your programs actually carry?

How are your pools configured?

Who originates the credit?

How is collateral verified?

How do you handle FX exposure for USD investors?

What reporting and monitoring tools do investors receive?

Why allocate to African agro-commodity supply chain credit at all?

Harness® operates as a technology and infrastructure provider, not as a licensed bank, broker-dealer, or investment adviser. Financing, investment, and credit decisions are made by independent third-party institutions using our infrastructure. Nothing on this site constitutes an offer, solicitation, or recommendation to transact in any security or financial product. Program availability, structures, and counterparties may vary by jurisdiction and are subject to local regulation.