Agriculture Loan
Financing for seasonal farm needs
Farming depends on timing, and delays can cost an entire season. Our Agriculture loan gives farmers and agripreneurs the capital they need to invest at the right time.
Whether you need funds for seeds, fertilizer, equipment, or to expand your operations, this loan is designed to support your growth and keep your farm or agribusiness moving from one season to the next.
What you can use it for
The loan can be used for farm inputs, equipment, irrigation, livestock support, and expansion needs, including land preparation.
Why Fortune Credit
- Financing for seasonal farm needs
- Flexible repayment aligned to harvest cycles
- Support for smallholder farmers and agribusinesses
- Quick and simple application process
- Built for sustainable growth
What our clients say
“Fortune Credit loaned me some money which I used to expand my poultry farming business. Sasa naweza lipa school fees na familia yangu iko catered for. Interest rates zao pia ni fair.”
Grace Njeri
Fortune Credit Client
“I encourage fellow farmers to consider Fortune Credit. It helps during both drought and planting seasons when support is needed most.”
Gabriel Marua
Fortune Credit Client
Frequently asked questions about the Agriculture Loan
About the Loan
What is the Agriculture Loan?
The Agriculture Loan is designed to support farmers and agribusiness owners by providing financing for crop farming, livestock farming, farm inputs, agricultural equipment, and agri-trading activities.
Who is eligible?
To qualify you must:
- Be a Kenyan citizen aged 18 years and above
- Have a valid National ID
- Have been actively engaged in farming or agribusiness for at least 12 months
Groups can also apply if they:
- Have at least 20 members
- Provide a membership list
- Submit meeting minutes for the previous 6 months
- Provide a registration certificate (where applicable)
Application Process
How do I apply?
- Visit your nearest Fortune Credit branch.
- Complete and sign the loan application form.
- Submit the required documents.
- A loan officer will conduct a farm or business assessment.
- Once approved, your loan will be processed and disbursed.
What documents are required?
- National ID & KRA PIN
- 12 months of M-PESA statements
- Proof of land ownership or lease, or trading contracts
- Farm or business records
- Guarantor’s ID and collateral details (e.g., photos of livestock)
Individual applicants should provide:
- Original National ID
- KRA PIN Certificate
- 12 months of M-PESA statements
- Proof of land ownership, lease agreement, or trading contracts
- Farm or business records
- Guarantor's ID and collateral details
Group applicants should additionally provide:
- Membership list
- Meeting minutes for the last 6 months
- Registration certificate (if applicable)
How long does approval take?
Approximately 2–3 working days after all documents have been submitted and the farm/business verification visit has been completed.
Disbursement & Repayment
How is the loan disbursed?
Depending on the loan purpose, funds may be:
- Paid directly to suppliers or vendors for farm inputs and equipment, or
- Disbursed to your account
What is the repayment period?
Between 1–12 months, depending on the farming cycle or business activity.
Can I repay early?
Yes. Early repayment is encouraged and may improve your loan limit for future financing.
How do I repay?
- M-PESA Paybill: 4075059
- Account Number: Your National ID Number
Account Management
How do I check my balance?
You can:
- Receive an SMS confirmation after making a repayment
- Dial 6651515#
- Visit any Fortune Credit branch
- Contact your loan officer
What happens if I miss a payment?
Contact your loan officer immediately and work together to find a suitable repayment solution. Failure to address missed repayments may result in penalties, reduced future borrowing limits, or recovery action where applicable.
Can I top up my loan?
Yes, if:
- Your repayments are up to date
- You have repaid at least half of your current loan
- You have maintained a good repayment record
Customer Support
How can I get help with my loan?
You can:
- Contact your assigned Loan Officer directly
- Visit your nearest Fortune Credit branch
- Find branch contact details on the Contact Us page on our website
Security & Compliance
Is my data secure?
Yes, protected under Kenyan data protection laws
Is my motorbike safe in emergencies?
Yes, we have a 24/7 standby recovery team
Do you follow ethical lending practices?
Yes, all lending adheres to CBK guidelines
Ready to Apply?
Talk to us today or apply directly on our website. Our team will walk with you through every step.