Agriculture Finance

We know that the demands on an agriculture business change from season to season. So we offer structured advances and loans which take into account these seasonal trends. We offer solutions such as overdrafts, asset finance, medium-term loans, a revolving credit plan and a production loan.

For more information:

Please visit a Stanbic IBTC Bank branch near you or call 0700 CALL STANBIC (0700 2255 7826242) or +234 01 270 9676 or email 

An overdraft is a great way to help you finance you short-term cash flow and working capital needs. It is linked to your current account and you can use as much as you need up to your agreed limit. As a farmer, you can apply for an overdraft when you require, to help in the running of your farm or to purchase necessary farming equipment.

  • It is quick and easy to arrange.
  • Cash is available when you need it.
  • Interest is paid only on the money you use, not on the full amount at which your limit is set.



To finance your entire farming vehicle and implement needs, we offer a wide range of packages to suit your business' cash flow and tax requirements. Vehicles and assets we finance include:

  • Tractors
  • Harvesters
  • Centre pivots
  • Solar panels


This loan is directed at commercial farmers with proven financial track records. It can be paid off monthly, bi-monthly, quarterly or installments over two to ten years.  You can use this loan to finance purchase of livestock or farm buildings.

  • Flexible repayment plan and easy access to your funds.
  • No unnecessary troubles about loan repayment

A business revolving credit loan is a fixed monthly payment that allows you to borrow up to your original loan amount again, once you have repaid 25% of the loan. It can be paid off over two to five years. Just like the overdraft, you will only pay interest on what you use.

  • Funds can be accessed through your business accounts at any time.
  • As long as 25% of what you owe has been paid, you do not have to worry about reapplying for a fresh loan.
  • Effective cash flow planning tailored to suit your financial needs.


An Agricultural Production Loan (APL) is a short-term credit that lets you upgrade and modernise your agricultural machinery and equipment. Loans are granted for between six and twenty-four months with required repayment at the end of the term. It is suitable for grain farmers, individual farmers, groups and legal entities in the agricultural sector.

Input costs that qualify for production credit include:

  • Seeds and fertilisers
  • Fuel, oil and lubricants
  • Herbicides and pesticides
  • Repairs and maintenance
  • Crop insurance premiums



Customer Care Line

0700 333 3333

+234 700 333 3333


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