Loan Product

Agriculture Loan

Seasonal financing for farmers and agribusiness operators.

Overview

The Agriculture Loan is designed to help farmers meet the costs of cultivation — seeds, fertiliser, pesticides, labour, irrigation, and equipment. Repayment is structured around the harvest cycle so that you repay when your crop income arrives.

Eligibility Requirements

  • SACCO member actively engaged in farming
  • Land access confirmed (ownership, tenancy, or LC letter)
  • Adequate savings history at the SACCO
  • Individual or group farmers welcome

Key Benefits

Harvest-aligned repayment reduces cash flow pressure
Covers a wide range of agricultural inputs
Supports food production and income growth
Available to individual and group farmers

Repayment Terms

  • Repayment tied to harvest seasons (single or bi-annual)
  • Loan amount based on savings multiplier and farm size
  • Discuss your specific crop calendar with our Loans Officer

How to Apply

1
Visit the SACCO with documentation of your farming activity
2
Discuss your seasonal needs and the timing of your harvest
3
Submit completed application form
4
Await approval
5
Receive funds before the planting season

Apply for this Loan

Visit our office or contact us to get started. Our team will guide you through the entire process.

Enquire / Apply Now Email Us

Documents Needed

  • National ID
  • Land title, agreement, or LC letter
  • SACCO savings passbook or account number
  • Completed loan application form

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