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Farmwise Project will offer smallholder farmers an asset-based loan that includes: 1) distribution of seeds and fertilizer; 2) financing for farm inputs; 3) training on agriculture techniques; and 4) market facilitation to maximize profits. Farmwise loan package values range from N25,000 to N40,000 ($62.5 to $100) in value and includes crop insurance to mitigate the risks of drought and disease for new farmers and up to N80,000 ($200) for returning farmers in the second year. Farmwise’s loan packages vary depending on farmers’ preferences. Farmers may enroll as little as a quarter of an acre of land, or a full acre of farmland entirely. Farmwise will provides a maximum of one loan package per household and to qualify for the Farmwise program, farmers are required to form local groups, attend agricultural trainings, and pay a materials and training fee of N1,500. Farmwise will enable farmers to purchase inputs on credit with no additional service fee if repayment is completed in full by September, every year. For repayments made after second week of September, a service fee of 19 percent will apply. Farmwise will accommodate its clients with a flexible repayment system; where they may repay their loans in any amount and at any time as long as they complete repayment by July 31 of that year. Farmers may enroll for the following core products on credit from Farmwise: seeds for maize, rice, climbing beans, hybrid cassava stems and vegetable, fertilizer, Farmer’s Delight (organic soil ameliorator & yield booster), additional topdressing organic fertilizer, solar lights, cook stoves, drying tarps, crop storage bags, PICS bags, actellic dust, and compost boosters. Every farmer will be required to take the client support bundle, which includes trainings, a Kokum plant (botanical name: Garcinia indica) package, and German Mango/Opioro cultivars. Returning farmers will also be able to enroll for a Solar Home System. Participating farmers will receive a complete bundle of agricultural inputs and services on credit, including the delivery of all products purchased to a drop-off point within walking distance of clients’ cells and Farmwise leads regular in-person trainings so farmers can maximize the benefits from products purchased, and education on how to minimize post-harvest losses. All farmers in the program will be served by full-time field officers employed by Farmwise and have access to a customer care hotline should they have any queries. To receive the Farmwise loan and training, farmers must join a village group that is supported by a local Farmwise field officer. Field officers will meet regularly with the farmer groups to coordinate delivery of farm inputs, administer trainings and to collect repayments. Under the pilot scheme, Farmwise is planned for one acre per farmer and each farmer is expected to achieve US$900 in first year and US$1,600 in year two. The Pilot Phase and Cluster Cell Phase Under the pilot phase, our model will grow through its field directors. We will recruit a high-performing field directors, and transfer them to a new territory. From there, we will select 15-20 sites and recruit new 50 field officers (each field officer will serve 150-200 farmers) and 10 field managers to work under the field director. This model will allow Farmwise to launch reasonably large units as many as twenty sites within our first year in a new territory. In the first 18 months, we plan to engage 3 field directors, 30 field managers, 150 field officers and 30,000 farmers. However, we are aware this model has a challenge, it will not account for the importance of field leadership since every staff member in the new unit is new, except for the field directors. Our field staffs will be organized into “operating units” and we will constantly be adding new operating units, while also growing existing ones. Our field staffs will then be supported by professional in the headquarters, providing finance, accounting, HR, logistics, marketing, and administration services. Given the limitations of our initial pilot phase model, in year two we will shift our expansion approach to the “Cluster Cell” strategy. With this new strategy, we will relocate field directors, and promote field managers who has exhibited leadership and managerial acumen to field directors to increase the number of new sites and also number farmers to be covered. The first year is deliberately small – just 10 to 15 sites in total. When compared to our previous strategy of enrolling 10-15 sites in the first year, cluster cell expansion looks extremely reinforced because we will have more field officers promoted to field managers to assist the field director than in pilot phase. What the numbers will not show, however, is how this new strategy develops rock-solid leaders who are ready to launch a mid- to full-scale unit in their second year. Because the promoted and relocated field officers have an entire year working under their field director and manager, they are ready to take on additional responsibility at a faster pace. They are familiar with the expansion territory and its leaders, farmers, and local government officials. By the second year of operation, cluster cell expansion districts will be able to engage 9 field directors, 109 field managers, 480 field officers and 96,000 farmers.