Agrobusiness offer

What are the eligibility criteria for Agrobusiness products?

• The client must have a legal document authorizing him/her to carry out commercial/agricultural activities (agricultural land use permit, approval from local authorities at least)
• Authorization to operate for other actors in the agricultural value chain
• Proof of ownership or lease of the area being farmed.

Proven experience in the field:

For example:

• 2 cropping cycles with harvesting and sales or at least one year of experience in market gardening
• 1 to 2 years of activity with revenue for food crops.
• At least 1 harvest with income for cash crops such as coffee, cocoa, oil palm, etc,
• 1 processing-marketing cycle with customer structure
• 1 purchase-transport-marketing cycle (delivery).

Eligibility criteria for agricultural cooperatives and farmers' organisations

• Legal status designating the legal representative
• Operating authorization (from the territorial administrator, for example) or legal personality
• List of members of the Organisation (membership contract)
• Minimum 1 year of proven operational experience.

• What are the other specific Agrobusiness EquityBCDC products?

  1. Granary credit / Credit against stock / Warrantage:

  Specifically designed for maize value chain actors in Greater Katanga, this credit allows actors to benefit from working capital for the purchase or sale of additional stocks or production financing. This credit is secured by the stock.

  What are the eligibility criteria for the Grenier credit?

  • Have a viable agricultural activity or any other activity related to the agricultural value chain in production, processing, export, marketing, transport and distribution
  • Have a legal document authorising to carry out agricultural activities and a proof of ownership or lease of the exploited space
  • Have proven experience in the field.

  How does it work?

  • Go to the bank with a valid identity document and the document of the activity to be financed
  • Fill in the agricultural credit application form
  • Receive a visit from an agent in charge of agribusiness clients
  • Return to the bank to report the loan contract and other contracts
  • Obtain credit.

  2. Credit to producers via their cooperative or an umbrella company:

  This credit is intended for small to medium-sized agricultural producers who are members of a structured and legally recognized group or cooperative or who have a contract with a federating enterprise to benefit from loans for any need related to the development of their agricultural activities.

  All these loans have the advantage of being modular and therefore adaptable to the situation of each actor or entity. The seasonality of the agricultural activity, the market access conditions, the alternative guarantee possibilities and the value chain approach are taken into account.

  Make sure you have the following beforehand:

  • The legal documents of your activity (company or cooperative/group);
  • Proof of experience, including proof of income and expenditure for the last 6 to 12 months of your activity
  • Proof of ownership or space used.