For Smallholder & Individual Farmers
We believe every farmer deserves access to capital. Our "Farm Start" initiative is designed specifically for individuals with limited collateral but high potential.
Input Support Loan
Up to ₦500,000
Get high-quality seedlings, fertilizers, and pesticides on credit. Repay after harvest.
- No landed property required
- Group guarantee accepted
- Subsidized interest rate (2%)
Equipment Lease
Up to ₦2 Million
Access modern farming tools like sprayers, harvesters, and processing units without huge upfront costs.
- Lease-to-own options available
- Training included
- Flexible repayment terms
Market Access Program
Guaranteed Buyers
Stop searching for buyers. We connect you directly to processors and exporters at fair, pre-agreed prices.
- Price protection
- Logistics support
- Digital payment settlement
For Cooperatives & Enterprises
Scaling up? Our "Growth Capital" initiative supports registered cooperatives and agribusinesses with larger financing needs.
Cooperative On-Lending
For Registered CFCOs
We provide bulk funding to registered cooperatives, who then on-lend to their members. This reduces our risk and lowers interest rates for farmers.
Key Requirements:
- Valid Cooperative Registration Certificate
- Minimum 20 active, verified members
- Functional leadership structure
- Corporate bank account with 6-month statement
Loan Limit: Up to ₦50 Million
Enterprise Direct Lending
For Processors & Exporters
Direct financing for established agribusinesses involved in processing, packaging, or exporting coconut products. Ideal for working capital and factory expansion.
Key Requirements:
- CAC Certificate of Incorporation
- TIN & Tax Clearance Certificate
- 2+ Years Operational History
- Collateral: Landed Property or Equipment
Loan Limit: Up to ₦100 Million
Transparent Financing Terms
We believe in fairness. Our blended interest rate structure combines NATCODEV subsidies with partner bank rates to offer some of the lowest agricultural loans in Nigeria.
Blended Interest Rate
Starting from 9% per annum (2% NATCODEV Subsidy + 7% Bank Rate).
Late Payment Penalty
A flat 5% penalty applies to overdue amounts. Defaulters are reported to the Credit Bureau.
Ready to Start?
Join NATCODEV Today
Whether you are a single farmer or a large cooperative, we have a plan for you.
Register Now