Harness – AI-Powered Working Capital for African Agro-Commodity Supply Chains

Stop waiting 60 days for your own money.

Instant, affordable working capital tied to the operations you already run. No ERP integrations, no paperwork, no new bank.
AI handles the busywork, you handle growth.

We turn your inventory and receivables into liquidity exactly when you need it.

Active

Cassava Receivables Pool

182

Deliveries & Payments

$12.9k

Deployed Capital

$29k

Borrowing Base

$10.5k

Available Liquidity^†

^†Liquidity disbursed in local currency

Active

Oil Palm Receivables Pool

317

Deliveries & Payments

$17.3k

Deployed Capital

$43.1k

Borrowing Base

$15.7k

Available Liquidity^†

^†Liquidity disbursed in local currency

Upcoming

Mixed Midstream Operators Pool

Deliveries & Payments

Deployed Capital

$90k

Borrowing Base

Available Liquidity^†

^†Liquidity disbursed in local currency

How Harness turns your daily operations into instant liquidity.

Your back-office operations, on autopilot.

Our AI agent automates your invoicing and delivery workflows.

Keep using what you already use—WhatsApp, emails, spreadsheets. Harness connects to your existing systems.

Our AI reads your workflows like a human would, organizing every delivery, invoice, and payment into verified records.

No new ERP. No new bank. No extra busywork.

Your deliveries and payments become verified collateral that unlocks capital.

Each verified delivery and payment is recorded on a secure ledger that tracks your available liquidity in real-time.

Combined with flows from other operators, this creates the verified collateral that makes institutional capital possible—and keeps your rates affordable.

Your day-to-day work quietly builds the collateral behind your liquidity.

Live data turns into real collateral.

Liquidity when you need it.

Draw liquidity when you need it as capital flows automatically.

Institutional investors fund these pools, giving you access to affordable liquidity. As your buyers pay, your available credit refreshes automatically—no renegotiation, no paperwork.

You stop waiting 60 days to get paid—you access liquidity built from the operations you already run.

Midstream operators are already accessing capital in minutes, not months. Join them.

$450k

Live borrowing base

Built from verified inventory and buyer payments across active programs.

$30k

Capital deployed to operators

Deployed as working capital to midstream agro-commodity operators.

100

Repayment performance

Percentage of financed amounts repaid on time by operators using Harness.

Live programs

Across cassava, palm oil, and mixed midstream supply chains.

For the Operations & Finance Team

Frequently Asked Questions

What exactly does Harness do for my business?

Do I need new software or an ERP to use Harness?

Who actually provides the money, and is this a loan?

How does this change when and how I get paid?

What happens if there's a dispute or a delayed payment?

Do I need to provide extra collateral or personal guarantees?

How much does it cost to use Harness?

Ready to unlock faster, more affordable working capital?

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.