Agri-Based Finance

Seasonal and term financing for growers and agribusinesses — input costs, land development and equipment, structured around the crop cycle so repayment lines up with harvest income.

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Why This Facility

Financing that follows the crop cycle, not a fixed calendar

Three things set agri-based finance apart from a standard term loan.

Repayment tied to harvest

Instalment schedules are built around your crop calendar, so repayment falls due after income comes in, not before.

Covers inputs and equipment

One facility can fund seed, fertilizer and labour costs alongside land development or machinery purchases.

Seasonal or term options

Choose a short-term seasonal line for a single crop cycle, or a longer term facility for land and equipment investment.

How It Works

Four steps, start to disbursement

Submit land & crop details

Share landholding documents, crop plan and the season or project you're financing.

Assessment

Landholding, farming history and the crop plan's viability are reviewed against expected yield and market prices.

Facility structuring

Limit, tenure and repayment schedule are set to align with sowing, growth and harvest timelines.

Disbursement

Funds are released ahead of the season, timed so inputs are available when they're actually needed.

Eligibility

What we look for before extending the facility

Valid land ownership or documented tenancy/lease rights over the land being farmed.
A defined crop or farming plan for the season or project the finance will cover.
Basic farming or agribusiness track record, even if informal, that supports the plan's viability.

Note: Facility size and tenure vary by crop type, landholding and season. Weather and market risk are factored into every assessment.

Common Questions

Before you apply

It depends on facility size — smaller seasonal lines may rely on the crop and landholding itself, while larger term facilities typically require collateral.

Disbursement is timed ahead of the sowing window whenever possible, so inputs are available when land preparation begins.

Yes, though equipment purchases are usually structured as a separate term component alongside the seasonal input line.

Ready to finance this season?

Share your land and crop plan — we'll confirm a facility timed to your sowing schedule.

Start Your Application