• Coffee Seedlings at Nursery

  • Sugar Plantation

  • Ripe Coffee

  • Coffee Drying Process

  • Sugar cane Harvest

  • Sugar Bags

This is a medium term loan facility that is only offered to estate coffee growers to rehabilitate coffee trees within three coffee crop cycles. The estate grower applies for each loan for each coffee crop production cycle separately. A borrower is required to have repaid at least 70% of the previous year’s loan to qualify for the facility. Since the subsequent credit facility will be a top-up loan, the balance outstanding is deducted from the loan applied.

The product features:

  • Processing fees: 1.5% on amounts borrowed.
  • Interest rates: 10% per annum on reducing balance.
  • Repayment Period: Maximum tenure of 36 months and payable annually. Last installment will be payable 18 months from the date of issue
  • Size of the loan will depend on purpose and capacity to pay
  • Product target: estates