Smallholder farmers
Growing to feed your family and sell the extra. Start keeping simple records and learn the business side of farming — one step at a time.
For smallholder & emerging farmers
One platform. Every tool your farm needs to operate like a business.
Simple digital tools to track your money, production and stock — and turn them into the records funders and buyers trust.
Financial Literacy
Learn the business behind every farm
Finance & Production
Track your money and stock, daily
Business Plan BuilderFREEGuided questions to a bankable, investor-ready business plan.Financial TrackerFREETrack income, costs and cashflow. Build a real-farm ledger.Production TrackersFREELog harvests, livestock, inputs and yields.InventoryFREEManage stock, supplies and inputs in one place.Staff & PayrollFREERun payslips, timesheets and appraisals — wages made easy.Receipt ScannerFREEPhotograph receipts → Panuka AI logs them for you.Climate & Nature ReadinessFREEShow funders your climate and nature readiness.
Linkages
Connect to funders, markets and people
AgriVenture ProfileFREEYour funder-facing profile, data room and bankability score.Find ServicesFREEConnect with vets, agronomists, mechanics and more near you.Find TalentFREEPost and hire skilled farm workers and managers.Funding & OpportunitiesFREEBrowse grants, programmes and funding you can apply for.
Farming is a business. Panuka helps you run it like one.
Most farmers are locked out of finance for one reason: they were never taught the business side of farming, and they have no records to show for their work.
Panuka closes both gaps — learn the skills, keep clear records with easy-to-use tools, and build the AgriVenture Profile that makes your farm ready for finance and markets, with Panuka AI guiding you as you go.
Who Panuka is for
Built for farmers like you
Made for smallholder and emerging farmers. Wherever you are on your journey, Panuka meets you there — and helps you grow.
Emerging farmers
Ready to grow into a real business. Track every enterprise, prove your numbers, and get your profile ready for funders and buyers.
Trusted by farmers and partners across the region
555+
Farmers trained and supported
50%+
Women-led enterprises reached
How Panuka works for you
Four steps from sign-up to bankable enterprise.
01
Create your profile
Sign up free in 5 minutes. Choose your enterprise type — poultry, dairy, crops, horticulture, fish, or other — and tell us about your farm.
02
Learn the business
Take Academy courses at your own pace, or join a bootcamp at Panuka Farm. Build the financial discipline that funders expect.
03
Track everything
Use free digital tools to record your income, costs, production and receipts. Every entry builds your AgriVenture Digital Profile.
04
Get connected
Once your bankability score shows funder-readiness, Panuka links you to funders, service providers, talent and buyers.
LearnTrackConnectGrow
Voices from the journey
Real records. Real farmer stories.
Hear directly from the agribusinesses and farmers who have been through our training — straight from our YouTube channel.
Dr. Jonas Mwale
Medical Doctor & Agripreneur, Zambia
Samson Nyendwa
Managing Director, Corteva Agriscience Zambia
Rebecca Liwa
Animal Science Student, Zambia
Mr. Wamulume Mataa
Agripreneur, Zambia
Panuka AgriBiz Academy
Learn the business of farming.
Self-paced courses in financial management, business planning, fundraising and risk — each with a certificate on completion.
Risk Management Fundamentals for a Farming Enterprise
Self-paced · CertificateHow to Unlock Factors of Production towards Farming as a Business
Self-paced · CertificateAccounting and Financial Management Fundamentals for Agripreneurs
Self-paced · CertificateFundraising Strategies and Options for Agripreneurs: The Bankability Lens
Self-paced · CertificateFrom K554 / $36 per course · 12-month access · Verified certificate
Panuka Farm bootcamps
Come learn at the farm.
A practical two-day bootcamp — morning agribusiness masterclasses, afternoon hands-on farm practicums. You leave with a plan, a profile, and six months of full platform access.
2 days
Masterclass + farm practicums
On the farm
Real fields, real livestock, real work
6 months
Full platform access included
New cohorts run regularly at Panuka Farm — see upcoming dates when you register.
Three ways to use Panuka
On your phone, on the web, all in one dashboard.
Same farm record. Same AI advisor. Same bankability score. Sign in once — use anywhere.
Android app
Panuka on Google Play
- Camera receipt capture
- Works on low-end phones
- Offline-friendly daily logs
iOS app
Panuka on iPhone
- Native iOS experience
- Live cloud-style sync
- iPhone & iPad ready
Web app
Panuka in your browser
- Full financial tracker
- AgriVenture Profile & Data Room
- Works in any browser
One account · same data across phone, web and dashboard.
Best on the web — your full command centre
Create your free account & sign in on the web for the full picture
Mobile captures the field. The web is where it all comes together — deeper analytics, your full profile, funder-ready reports.
What the web app gives you
Financial Analytics
Income, costs, margins and cashflow — charted from your own records.
Production Analytics
Yields, herd and crop trends across every enterprise you run.
AgriVenture Profile
Build the full digital profile funders want — data room and evidence.
Bankability deep-dive
Your score broken down section by section, with recommendations.
