Trade Finance Loans

Objective

provides the capital needed to purchase produce at harvest time

Tenor

short-term loans (up to 12 months)

Guarantee

sales contracts (with reputable importers) utilizing payment triangulation for financed contracts

Min. loan

150,000 USD

Max. loan

3,000,000 USD

Working Capital Loans

Objective

short term financing of operational and pre-harvest activities

Tenor

short-term loans (up to 12 months)

Guarantee

standard collateral and securities are acceptable.

Min. loan

150,000 USD

Max. loan

3,000,000 USD

Long Term Loans

Objective

long term financing of investments in innovative and/or sustainable technologies, climate smart adaptations, and crop improvements & renovations. This includes equipment and machinery, rehabilitation, expansion or renovation of cultivations, infrastructure, etc.

Tenor

up to 60 months

Repayment terms

flexible: semestral or annual repayment of capital, based on the investee’s needs. Up to 12 months grace period

Guarantee

Standard collateral and securities are acceptable, must be valued at 140%+ of loan value

Min. loan

150,000 USD

Max. loan

3,000,000 USD

Agricultural SMEs

• Source a majority of your sales from smallholder farmers
• Are certified Fair Trade or have one of the other accepted sustainability certifications (link to investment approach) OR source from suppliers that are certified
• Have been operational for 3 or more years
• Have a positive EBTIDA for 3 or more years (at least on average)
• Have financial projections showing a positive EBITDA on average over the next 12 months
• Have audited financial statements or committ to becoming audited as a result of working with FAF

Agricultural MFIs

• Primarily focused on rural and/or agricultural financing activities for smallholders farmers
• Owned by smallholder farmers and/or able to demonstrate linkage to certified agricultural producer organizations and/or activities
• Have been operational for 3 or more years
• Have a positive EBTIDA for 3 or more years (at least on average)
• Have financial projections showing a positive EBITDA on average over the next 12 months
• Have audited financial statements

Agricultural Producer Organization

• Are certified Fair Trade or have one of the other sustainability certifications (link to investment approach) OR are in the process of becoming certified OR produce food-security focused crops for sale in local markets
• Are legally registered as a producer organization (Association or Cooperative)
• Have a focus on smallholder farmers (majority of members have < 5 ha on avg.)
• Have been operational for 3 or more years
• Have a positive EBTIDA for 3 or more years (at least on average)
• Have financial projections showing a positive EBITDA on average over the next 12 months
• Have audited financial statements or committ to becoming audited as a result of working with FAF