1. business case
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Rispa Miliza
Digital Marketing & Sales Lead , Hello Tractor
Rispa Miliza

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Despite possessing65% of the world’s arable land, Africa faces
productivity challenges, primarily rooted in the lack of
mechanization
Number of
smallholder farmers
worldwide1
Of food produced in
Africa and Sub-Saharan
Africa is from
smallholder farmers1
Smallholder farmer yield gap
due to suboptimal use of
inputs and insufficient adoption
• Smallholder farmers play a pivotal role in sub-Saharan Africa, yielding over 80% of the
respective continents’ food and employing over 60% of the population2
• Additionally, these regions possess 65% of the world’s arable land, yet this potential remains largely
underutilized3
• This challenge stems from a combination of inadequate mechanization and substandard inputs,
resulting in a considerable reduction in agricultural output with a yield gap as muchas 76% between
actual and potential yields
• However, within these challenges lies an opportunity to leverage mechanization, to increase
agricultural productivity, positively impact global food security and transform these regions into
contributors to the world’s food basket
Sources: 1. IFAD, Smallholders can feed the world, link; 2. FAO, 2015, Theeconomic lives of smallholder farmers, link; 3. AFDB, 2016, Strategy for agricultural transformation in Africa 2016–
2025, link

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Theseproductivity hurdles stem from the mechanization gap, restricted financial access,
and inadequate quality inputs
Agricultural Mechanization Gap
• Sub-SaharanAfrica (23) and Asia
(94) fall significantly below the global average (200)
for
tractors per 100km2
• Manual labor is up to 40 times slower than modern
tractors2
• Thislabour isoften unreliable, hampering timely and
effective cultivation
Restricted Accessto Finance
• Over 90% of smallholder farmerslack formal accessto
finance3
• L
es
sthan 5% of bank lending goes the agriculture
sector
• This means that the majority of smallholder farmers are
underserved4
Inadequate Quality Inputs
• Smallholder farmersinsub- Saharan Africa use lessthan2%
of global fertilizer5
• E
mploying quality seeds, fertilizers, and advanced farming
practicescan lead to yieldsup to 4 timeshigher
Why thismatters- The mechanizationgap:
1. Handicaps farmers’ productivity
2. Obstructs potential for scalingup agricultural
output
Why thismatters- Restricted access to finance:
1. Manual labor is up to 40 times slower than
modern tractors2
2. Thislabour is often unreliable, hampering timely
and effectivecultivation
Why thismatters- Limited accessto quality inputs:
1. Underminesagricultural productivity,
contributingto ongoing livelihood
challenges

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Some of our results
1M 2.8M 33%
Smallholder farmers
impacted
Acres Serviced Women Financed
under PAYG.
How did we do it?

6. Marketplace Financing Hub
Our
solution
Benefits Improved efficiency,
driving down the cost
of operations
Connects farmers
and fleet owners,
enabling seamless
accessto tractor
services
Accessto tractorsfor
farmers and
increased revenues
for fleet owners
Provide tractor
financing through
flexiblebuy-
now-pay-later
plans, fostering
affordability
Accelerated
mechanization
adoption, enhancing
cultivation
Establish
comprehensive farm
hubs,offering
machinery,inputs,
and market linksto
empower farmers
Accessto essential
machinery,quality
inputs, and markets
Fleet Management /
IoT
Allows fleet owners
control over their
tractors, including
monitoring fuel
usage, tracking acres
serviced,
and scheduling
maintenance
At Hello Tractor, we leverage technology to revolutionize agricultural
productivity
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7. How It Works
• Telematics device is installed on new and existing tractors
• Fleet owners are onboarded to Hello Tractor’ssoftware
• Fleet owners monitor the operations of their listed tractors
• We offer telematics monitoring devices for sale, ensuring accurate data collection and
transmission.
• Fleet owners also subscribe to our annual license fee for continued accessto our robust software
platform and data analytics
Our offering
Business/ Revenue Model
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Our fleetmanagementsolutionusesIoTtoprovidetractorfleet owners with
advanced tools to optimize their operations, monitor performance, and ensure
efficient resourceutilization
Our Fleet Management Portal
Key Features:
Maintenance
alerts
Our fleet management solution empowers tractor fleet owners with advanced tools to optimize
their operations, monitor performance, and ensure efficient resource utilization..
Manage fleet
Fuel consumption
Manage
operators
Weather
integration

8. Our offering
Business/ Revenue Model
Ourmarketplacesolutionrevolutionizestractorservices,offering farmers a
seamlessplatform to connectwith tractorfleet owners and access
efficientmechanizationservices
Farmarea
estimation
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Booking agent
app
Tractor operator
app
Optimized
matching
algorithm
Key Features:
Our fleet management solution empowers tractor fleet owners with advanced tools to optimize
their operations, monitor performance, and ensure efficient resource utilization..
How It Works
• Browse, Book, Receive: Similar to popular ride-sharing apps, farmers can effortlessly browse,
book, and receive tractor services through our platform.
• BookingAgents:Our booking agents, strategically positioned onthe ground, facilitate the
process, ensuring ease and accessibility for all farmers.
• Service Execution: Once a booking request is accepted by the tractor owner, operators are
dispatched to mechanizethe designated plot.
• We generate revenue through a transaction fee based on the value of work conducted,
ensuring a fair and transparent pricing structure.
Our Marketplace Portal

9. Our offering
Business/ Revenue Model
• We generate revenue in the PAYGmodel through weekly payments made by renters, based on
the amount of farmer demand serviced during that week
Our financing solution offering provides affordable access to
tractorsand mechanizationequipment
HELLO TRACTOR WALLET
Monitor work
booked
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Monitor work
completed
Seamlessweekly
payments
Monitor assets
Key Features:
Our Financing Portal
Our financing product provides booking agents with the option to acquire tractors on a rent-to-own basis,
eliminating upfront cost barriers.
How It Works
• Booking agent receive training on contracting, technology, and business skills
• Agents with 5% down payment and 1,200 acres of work pre-booked are approved. Down
payment waivers made for high impact entrepreneurs
• Qualified agents receive tractor with implements, trained operator, and dedicated account manager
• As tractor services are provided, small repayments are collected weekly

10. Smallholders
Serviced
Acres
Serviced
Tractor
Owners
2%
64K
Booking
Agents
957
113
Trained
Operators
322
81K
Trained
Technicians
48
Average
Repayment rate
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96%
Portfolio At Risk
(90+ days)
A snapshot of where we are today – PAYG portfolio

11. • Pivoted focusto IoTtechnology, SaaSmodel and
marketplace strategy. Captured 40% of Nigerian
market and began continental expansion
• Locations: 6
• Acres under mgmt.: 219K
• Tractor contractors: 390
• Amount raised: USD 1.5M (convertibles + grants)
2023
Series A, Scale
• Scale marketplace and financing
across key markets in Africa and
Asia
• Locations: 16 in Africa, 4 in Asia
• Acres under mgmt.: 2.8M
• Tractor contractors: 4K
• Amount raised: [TBD]
Evolution of Hello Tractor - Serving farmers since 2015
2015-17
Launch
• Registeredin 2014 &
Launched operationsin
2015 in Abuja, Nigeria
• Locations: 1
• Acres under mgmt.: 2K
• Tractor contractors: 30
• Amount raised:
Bootstrapped
2018
Pivot to Marketplace
2021
Seed Round, Expansion
• Expansion into Asia, launched
operationsin Pakistan,
Bangladesh, Thailand
• Locations: 13 in Africa, 3 in Asia
• Acres under mgmt.: 1.7M
• Tractor contractors: 2.3K
• Amount raised: USD 2.25M equity
2022
LaunchFinancing
• Launch of Financing Productfor
tractors
• Locations: 14 in Africa, 3 in Asia
• Acres under mgmt.: 2.3M
• Tractor contractors: 2.8K
• Amount raised: USD 4.5M debt
2020
COVID-19
• COVID FocusAggressive focuson
food system resiliency in Nigeria
and Kenya
• Locations: 11
• Acres under mgmt.: 1.2M
• Tractor contractors: 1.5K
• Amount raised: USD 600k (grant)

12. Our technology has a direct impact on the communities
where we operate, contributing to key development goals
86%
Customers live in poverty
93%
Improved their overall
quality of life
55%
Reported first time access
a tractor
96%
Improved their way of
farming
87%
Increased their revenue
83%
Increased their crop
prod
82%
Net Promoter Score (2021)
1M
Acres under management
2.8M
Farmers digitized
and serviced
to
uction
Hello Tractor’s approach to empowering smallholder
farmers with affordable and reliable mechanization is
driving results that are unmatched in the industry.
A focuson climate smart mechanization is proving to be a
vital in increasing incomes, food security and resilience.
SDGImpact Areas
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13. Weare supportedby leading investorsand partnerswho have beencriticalin making
our business a success
Our Investors Key Partnerships
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Q&A

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