Agricultural Loan

Supporting Ghana's Farmers

Agriculture is the backbone of our economy. From smallholder farmers to commercial agribusiness, we provide tailored loans that understand the rhythm of farming – planting, growing, and harvesting.

"With my agricultural loan, I bought improved seeds and fertilizer. My maize yield tripled. Now I can afford to send my children to school."

We offer flexible repayment schedules that align with harvest seasons. Pay when you sell your produce, not before.

Loan Amount

GH¢1K - 20K

Interest Rate

2.8% - 3.5%

per month, reducing balance

Term

3 - 24 months

seasonal repayment available

Crop Farming

Maize, cassava, vegetables, cocoa

Livestock

Poultry, cattle, goats, pigs

Aquaculture

Fish farming, tilapia, catfish

Processing

Cassava processing, oil palm, milling

Why Choose Agricultural Loan?

Seasonal Repayment

Pay when you harvest. No payments during off-season.

Input Financing

Loans specifically for seeds, fertilizer, and farm equipment.

Farm Training

Free workshops on modern farming techniques and financial management.

No Land Collateral

We don't require land titles. Your farm plan is enough.

Equipment Loans

Finance for tractors, irrigation systems, and processing equipment.

Farmer Groups

Form groups for better rates and shared resources.

Common Crops We Finance

Maize

Major season: March-July

Cassava

Year-round, 12-18 months

Vegetables

Multiple seasons, 2-4 months

Cocoa

Main crop: Oct-March

Pepper

Year-round, 3-4 months

Requirements for Farmers

Valid ID

Ghana Card or Voter's ID

Farm Location

Description of farm location

Farm Plan

Simple plan of what you'll grow and expected harvest

Phone Number

Active mobile number

Farmer Group

Optional but recommended

Farm Photos

Photos of your farm (phone photos are fine)

Interest Rates & Terms

Loan Purpose	Amount	Interest (monthly)	Term
Seeds & Fertilizer	GH¢1,000 - 5,000	3.5%	3 - 8 months
Farm Equipment	GH¢5,000 - 15,000	3.2%	6 - 18 months
Livestock	GH¢2,000 - 10,000	3.3%	6 - 12 months
Processing Equipment	GH¢10,000 - 20,000	2.8%	12 - 24 months

Interest calculated on reducing balance. Processing fee: 1%.

Seasonal Repayment Options

Major Season

March - July

Apply before February. First payment due in August after harvest.

Minor Season

August - November

Apply by July. First payment due in December.

Year-Round

Flexible

For livestock, poultry, and processing. Monthly payments available.

Farming Loan FAQs

Do I need to own the land?

No. Many of our farmers lease land. We just need to know where your farm is and see that you're actively farming.

What if my crop fails?

We understand farming has risks. Contact us immediately and we'll work out a plan. We don't abandon our farmers.

Can I get a loan for livestock?

Yes! We finance poultry, cattle, goats, sheep, and pigs. Tell us your plan.

What's the minimum farm size?

There's no minimum size. We support smallholder farmers with as little as 1 acre.

Ready to grow your farm?

Apply today or visit any branch. Yɛbɔboa wo wɔ wʼakuayɛ mu – we'll support your farming.

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Planting Season Is Here!