Crop and seasonal agriculture loan

Plan financing for crop production around the actual farm activity, risks and approved repayment timetable.

Understand this category

Prepare for a crop cycle with a financing plan that reflects your production needs and expected income. The local product may cover approved inputs, labour or other cultivation costs. Discuss the crop, market, timing and risks with your D-SACCO before applying. Check when repayments begin, whether interest accrues during any grace period and what support is available if conditions change. Repayment after harvest is not automatic for every loan.

Who it may suit

Eligible individual farmers, farmer groups or agricultural enterprises under local credit policy.

Practical uses

Seeds, fertiliser, cultivation labour, irrigation-related inputs and crop care; specific crops and activities must be approved.

How to proceed

Prepare a seasonal budget; provide production/access evidence; discuss risk and market plans; submit for assessment; review terms; use and repay under the agreement.

What to prepare

Identity/membership; farm access/tenure evidence; production budget; past output or other accepted records; market/offtake evidence and security where required.

Questions and answers

Do I repay after harvesting?

Only if the approved repayment schedule expressly provides it.

Is crop insurance included?

Check the named insurer, cover, premium, exclusions and claims process; it is not automatic.

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