Business / Agric finance

Loans that wait for the harvest

Input loans for Irish potato, tomato and maize farmers around Bokkos, Barkin Ladi, Riyom and Mangu. You repay after you sell.

Repay after harvest Field officers on farms 24% a year, example

01 / Season planner

Plan a season and its loan

Crop

Hectares

Costs and prices are examples for this demo, based on a typical Plateau season.

Input loan, 70 percent of costs

₦0

Season input costs

Repay after harvest, example

Expected sales, example

Harvest

Season plan

02 / How it works

Farm visit
A field officer visits your farm, checks the land and agrees the plan with you.
Inputs, not cash
Most of the loan pays seed, fertiliser and agro-dealers directly, so it goes into the ground.
Grow
Officers visit during the season. Weather alerts come by SMS in English and Hausa.
Sell and repay
Repay in one go after harvest, or in two parts if you store and sell later.

6000farmers financed this season

97%of loans repaid after harvest (example)

41%women borrowers

18field officers

Questions

What if the harvest fails?

Talk to your field officer early. We restructure loans after bad weather and many loans include crop insurance through a partner (example).

Do I need land papers?

A letter from the village head or your farmers’ group is enough for loans under ₦3 million.

Can a group borrow together?

Yes. Farmer groups of five or more get lower rates (example).

Visit the Bukuru farmers’ desk or call us.