"The first loan was ₦150,000. Four years later I supply three hotels."
Chukwuemeka fruit seller, Main Market
Ajo Plus customer since 2019, four trader loans repaid.
Microfinance bank, Onitsha, since 2006
Money that grows with your market.
Harvestfield is the bank traders, tailors, mechanics and salary earners in Anambra trust with their takings. Save a little every day, borrow when the season calls for it, and bank at an agent two minutes from your stall.
Example rates for this demo, not an offer.
Products
Simple accounts. Honest loans.
Four products most of our 48,000 customers start with. No hidden charges, and every rate is written on the form before you sign.
Save
Harvest Savings
An everyday account for your shop takings. No monthly charge, free debit card and SMS alerts.
6% a year, example rate
See savings SaveDaily Ajo Plus
Our agent collects your daily contribution at your stall. Safer than a box, and it earns interest.
8% a year, example rate
How Ajo Plus works BorrowSME and trader loans
Restock before the festive rush or buy a second shop. ₦100,000 to ₦10 million.
3.5% a month flat, example rate
See SME loans BorrowSalary advance
Up to half of your net monthly pay, paid within 24 hours, repaid on payday.
4% one month, example rate
See salary advanceExample rates for this demo.
Daily Ajo Plus
The contribution box, without the risk.
Every morning, a Harvestfield agent in a green vest walks your market line with a handheld terminal. You hand over your daily contribution, from ₦500, and get an SMS receipt before they reach the next stall. At the end of the cycle you collect everything you saved, plus interest, or use it as the deposit for a loan.
- From ₦500 a day, any day you trade
- SMS receipt for every contribution
- Withdraw at the end of your cycle or roll it over
- Six months of Ajo Plus helps you qualify for a trader loan
This month at a glance
- Daily
- ₦2,000
- Saved so far
- ₦40,000
- Interest
- ₦265
An example contribution card for this demo.
Customer stories
People who bank with us.
"I bought two industrial machines with an asset loan and took on two apprentices."
Adaobi tailor, Ochanja
Asset finance, 12 months, repaid early.
"When the power is off, my generator is my business. Harvestfield financed a new one in a week."
Ikechukwu welder, Nkpor
Asset finance and Harvest Savings.
Stories and names are examples for this demo.
Loan calculator
Know your repayment before you walk in.
Slide to your amount and number of months. You will see an example monthly repayment at our example trader rate. The full calculator shows a month by month schedule and compares flat and reducing balance.
Open the full calculatorHow much could you repay?
Example monthly repayment₦0At an example 3.5% flat a month. Full calculator
Agent banking
A bank counter at your neighbour's shop.
Over 220 Harvestfield agents in markets, junctions and motor parks across Anambra. Deposit your takings, withdraw cash, pay bills and even open an account without queuing in a banking hall.
- 1Main Market, Line 7Beside the textile section
- 2Ochanja roundaboutOpposite the motor park
- 3Nkpor junctionInside Ifeoma Provisions
- 4Head BridgeBuilding materials section
My mother kept her market money in a tin under the bed. I keep mine with Harvestfield, and my daughter has her own school fees account.
Questions
Questions people ask
A valid ID card, your BVN and a recent utility bill or a letter from your market association. If you do not have a BVN yet, we can help you register for one.
Harvestfield is a licensed microfinance bank and deposits are covered by the national deposit insurance scheme up to the legal limit. Example details for this demo.
Returning customers often get trader loans within 48 hours. First loans take about a week, because we visit your business first.
SMS alerts are charged at the standard example rate of ₦4 per message, shown on your statement.
Walk in with your BVN. Walk out with an account.
Bring a valid ID, your BVN and a utility bill. Most accounts open in under twenty minutes at any branch, or an agent can open one for you at your shop.