Grown for farmers. Repayable after harvest.
Season-aligned loans for smallholders, poultry farmers and agri-entrepreneurs. Repay when your harvest is in — not before.
Built around the growing season
Input financing
Seeds, fertilizer, feed and other pre-season inputs.
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Pre-season inputs often determine the yield you'll harvest months later. Input financing lets you buy at the right time and quantity, with repayment structured to fall after your primary harvest.
Equipment loans
Small machinery, storage and processing tools.
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Fund small machinery, irrigation kit, feed mixers, storage bins and post-harvest processing tools. Terms extend up to 36 months so repayments stay comfortable across multiple seasons.
Harvest-based repayment
Bullet or balloon repayment aligned to your harvest month.
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We match the repayment schedule to your crop calendar — a single bullet payment after harvest, a balloon at market sale, or a hybrid with light monthly amounts and a larger post-harvest payment. You choose what fits your farm.
Weather-flexible
Restructuring options in the event of documented crop failure.
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If a documented weather or pest event materially damages your harvest, we work with you to restructure — extend the term, defer principal, or refinance — rather than push you into default. Talk to us early.
Backed by the Farmers Association
Our roots in the Farmers Association mean we understand the risks and rhythms of agriculture in Ghana. Our credit officers work directly with farm cooperatives to structure loans that match reality on the ground.
Ready to take the next step?
Our team in Adjiringanor is ready to help you save, borrow and grow with confidence.