Chennai-based agriculture finance company Samunnati raised $4.5 million from Accel Partners, Elevar Equity and others.

The company provides credit, loans, and other financial products to small and micro-agribusinesses, which have difficulty accessing services from banks. Samunnati looks at “cash flow patterns, seasonality and the nature of collateral in [agriculture] supply chains” and other nontraditional risk indicators.

Elevar estimates $35 billion in demand for dairy and crop loans in India.