FarmOn Review: How to Invest in - The Thrifty Pinay

You probably have heard about crowdfunding where people invest in a company in exchange for  profit (equity or cash). That is how FarmOn works.

Online farming follows the concept of crowdfunding or the practice of funding a project/ venture by pooling many small amounts of money from a large number of people, typically online.

Your investment will be pooled together with the others.

You fund farmers on their financial needs and at the same time reap rewards for your contributions.

After the harvest and selling of produced goods, you’ll get your share of profits.

In a nutshell, it follows 3 steps:

  1. Each cycle opens a new project to be funded by crowdfunder.
  2. The crowdfunders choose specific product from the list
  3.  If the project is successful, members will receive their reward when it is harvest time

Regardless of your location, you can participate as long as you have internet connection. This is another good investment platform for OFWs who can manage virtual farming online.

What is FARMON? How does it work? is a crowdfunding community where people can help farmers on their financial needs and at the same time reap rewards for their contributions. was developed by Sproads, a web publishing company based in Manila.” 

FarmOn, as a crowdfunding platform, opens a new cycle once there are new farms available for funding.

 I was notified that there was a new cycle about to open through Facebook so make sure to follow their Facebook page here. For those who have already invested in prior cycles, you will see a notification in your account that a new cycle has begun.

UPDATE! Please read: has restructured their website; thus, the directions and instructions below have been structured according to the old website. I will give another update once I have undergone the registration with the new website accordingly.

FarmOn is now entering its 22nd Cycle with their “planting to harvest cycle” as short as 3 to 6 months, some within 10 months.  FarmOners (also called Investors) get to choose between various crops such as these below:

List of Crops
Squash Green Chili Carrots
Hot Pepper Radish Bell Pepper
Banana Ampalaya Upo
Pechay Cucumber Lettuce
Sitaw Papaya Tomato
Watermelon Melon Mustasa
Sita (Turo) Eggplant Okra
List of Livestock
 Duck Goat
Pig Native Chicken
Chicken Fish Pond

Why did I choose FarmOn?


Because why not?? Virtual online farming such as FarmOn has been considered an Alternative Investment.

An alternative investment is an investment or fund that invests in asset classes other than stocks, bonds, and cash.

So if I were to place my money somewhere with minimum supervision,little effort and let the months pass by, I’d rather park it in an investment vehicle which is more rewarding than the returns I get from just keeping it in a bank savings account. So millenial ano? 😅

Did you say, REWARDING??

Yes, because not only do you get to help farmers earn a living, you also get to earn passive income for the amount that you invest in the farm.




So if you lack the time to monitor the stock market on daily basis or are just not satisfied with the returns of mutual funds and UITFs, then give online farming a try and see if investing in agriculture is worth the risk.

Personally, what’s appealing with FarmOn aside from the  shorter investment cycle (you can have multiple cycles per year) is the high expected ROI, even if you split the income 50-50 between the FarmOner and the farmers. 

So far, having reached its 22nd cycle shows proof that it has sustained its business cycle with this kind of profit sharing.




How to Sign Up in


Alright! So it’s time for me to give you a step by step procedure:



 Step 1. Register

Registration starts when a new cycle is declared open. Visit or CLICK HERE to be directed to their registration form.


Prepare a valid ID for you will be requested to upload one. 


You will then receive a notification through email with your FarmOn login details. 

Step 2. Choose Your Crop and/or Livestock 

Upon successful registration you can now browse the farms available for funding.


Your next step is to choose which FarmOn products you want to invest with.    Select a farm and choose the crop and/or livestock you want to invest with.There are some farms with both crops and livestock available so I suggest clicking/visiting each farm and decide accordingly.

What’s good about FarmOn is you can see upfront all the details about the crop or livestock you want to invest with.  It also includes how many percentage of the crop has been funded and no. Of days left before it closes.


What I also like about FarmOn is that they have a “Product Details” section where they list the crop’s amount per plot, plot size and duration of the investment.

Once you have selected the crop and/or livestock you want to invest with, click ‘Available’



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 Step 3.Input Desired Number of Plot/s or Head/s


Once you have chosen your product, you can now select your desired number of plots (for crops) or heads (for livestock).


Everything is already computed and reflected once your plot/heads in the box.


You have an option to require for a notarized contact or not which costs P250. A notary is essentially important to keeping legal documents authentic and enforceable, the reason why I opted to pay for it.

Do remember that if you are a new registrant, a fee of P300 will be added to your contract.



Step 4. Wait for your contract to arrive

After 3-7 working days, your contract will arrive in the Message Center of your FarmOn account.  It will include all the important details of your product request and how to pay.

As with any contract, make sure to double check  that both your name and your requested crop or livestock reflects in the contract.

If all details are deemed correct in the contract, just send back to them the signed copy. 

Step 5. Payment


FarmOn allows bank deposit at any BDO branch as well as online banking, fund transfer, remittance or Cash payment. However, if you want to encash your earnings you are required to have a BDO Account. 

Payments must be made within 3-5 banking days after the contract is provided to you by FarmOn.

Late payments, or those made beyond the 5th banking day will forfeit the contract.  

Step 6. Payment verification

To verify,  you need to send a photo/scanned copy/screenshot of your proof of payment to FarmOn.

How much is the Return of Investment (ROI) in FarmOn?


Surprisingly, most of the products can actually  have 40% (Low) or 200% (High) return of income. Their lowest ROI rate is still high enough for me.

Here’s a FarmOn ROI Table  of the various products and its performance. You can check it out as your guide. 

As mentioned earlier, you will sign up for an agreement of the 50-50 profit sharing with the farm owner.

50% of the profit to the Farmers and 50% to you.


Are your FarmOn investments insured? 

You are protected by a crowdfunding shield that in the event of an unforeseen event such as a super typhoon, or any strike that causes damage to crops and/or livestock, will be the one responsible to provide seedlings and replace the young animals  WITH NO EXTRA CHARGE!

The only disadvantage here is  that you need to wait for another 6 to 8 months before return of your investment happens. will also shoulder vitamin shots and necessary medications for the livestock at no extra charges. 

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How can you withdraw your money?

There is a withdraw button at the bottom of the vault summary. Type the desired amount you want to withdraw then click Submit.

Withdrawal requests are processed at the end of the month and will be sent to your preferred bank/remittance center.

Final Thoughts…

If you’re a beginner then I suggest to test the waters first by investing a small amount. Figure out if virtual online farming suits your investment objective.  Once it’s harvest time and you reap your rewards, you can always reinvest that amount until you can finally include this as one of your streams of passive income.

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By Ameena Rey-Franc

Recognized as one of the Top Finance Blogs in the PH. Ameena Rey-Franc (founder of TTP) is a former Banker and BS Accountancy graduate turned Blogger, Keynote Speaker, and entrepreneur. Currently an RFP delegate, she is also the Author of a book about Financial Resilience and has held seminars for reputable companies like GrabFoodPH, Pru Life UK, VISA, JPMorgan Chase& Co., Paypal, Fundline, Moneymax, and many more. The Thrifty Pinay's mission is to empower women to LEARN, EARN, and be FINANCIALLY-INDEPENDENT no matter what life stage they are in.