Short Term Loans: (Repayable between 1- 5 years)

1. 1. Production Loan (livestock, horticulture and cereal crop) – 1- 5 years. The loan is repayable in one year and it can be revolved (extended) for 5 years. The facility is available to both full and part-time farmers.

Medium Term Loans: (Repayable between 5 – 8 years)

1. 1. Livestock Loan: to purchase livestock to stock/restock the land to full production capacity. Large stock loans are repayable over 8 years and small stock loans are repayable over 6 years.
   2. Infrastructure & Implement Loan: to acquire new equipment and implements such as irrigation equipment, boreholes, windmills, dams, water pumps, combine harvesters, generators, ploughing equipment, fencing, hammer mills, mahangu threshers, silos, etc. Legally acceptable conventional collateral will be accepted as security.
   3. Vehicle and Tractor Loan: to purchase new and second-hand vehicles such as light delivery vans, trailers, small trucks and tractors.
   4. Improvement Loan: to acquire equipment for improving or repairing dilapidated infrastructure and implements such as irrigation equipment, boreholes, windmills, dams, water pumps & pipes, combine harvesters, generators, ploughing equipment, fencing, hammer mills, mahangu threshers, silos, etc.

Long Term Loans: (Repayable between 10 – 25 years)

1. 1. Purchase of Farmland: tailored to the well-established commercial farmers to ensure a well-developed and productive utilization of the land for food security and job creation. Loans are granted against security of the mortgage bond and repayable over a period of 25 years for farmland and 20 years for additional farmland.
   2. Loan Consolidation Facility: combines several existing Agribank loans into a new bigger loan from a single lender, which is used to pay off existing loans. You need collateral. Clients should have a loan facility with Agribank to qualify and must offer some form of collateral such as a farm and/or other acceptable collateral to Agribank.
   3. Bush Control and Utilization: The scheme will enable the farmers to reduce bush densities in order to increase the carrying capacity of the land and in turn land productivity and income.

Specialized Loans :

1. Aquaculture: to finance both Freshwater and Marine Aquaculture projects. Loans are available in the short, medium and long term periods. Applicants with sufficient security and collateral will be subject to conditions as laid out in the guidelines on financing Aquaculture business as well as in the Agribank Credit Policy.
2. Solar Energy: for purchasing and installation of alternative energy sources for agricultural purposes, such as solar electricity, solar heating systems, solar geysers, solar water pumps, solar water heating, etc.
3. No Collateral Loan Product: aimed at salaried communal and commercial farmers for purchasing and acquiring of seasonal inputs, livestock, land development, machinery and implements, water infrastructure installation and farm vehicles.
4. Agro-processing loan: aimed at value-addition/processing industry in the food, beverage and forestry sectors for activities such as milling and packaging, hides processing, food preservation, meat processing, charcoal production, financing of indigenous agricultural and related products processing.
5. Financial Intermediaries loan: to provide loan facilities to financial intermediaries that will on-lend to the primary and secondary agricultural industries to both communal and commercial farmers for amongst others: revolving credit facility, purchase seasonal inputs, livestock, machinery and implements, etc.