Post-Harvest
Bridge the cash-flow gap between harvest and receiving payment for your produce. DTB Post-Harvest provides short-term financing for eligible farmers to help cover approved storage, processing and transport costs while they wait for sale proceeds from an off-taker, subject to DTB assessment and approval.
Overview
Harvested or delivered your produce but still waiting for the buyer to pay? Post-harvest financing provides short-term liquidity after harvest, helping farmers manage the period between supplying produce and receiving sale proceeds.
DTB Post-Harvest is designed to help eligible farmers bridge this gap and meet approved costs such as storage, processing and transportation. This can reduce pressure to sell produce immediately at a low price simply because cash is needed, while giving farmers time to preserve and market their harvest within the approved financing arrangement.
The facility is structured around verified produce and expected receivables. DTB currently requires qualifying farmers to have supplied or delivered produce to an off-taker, SACCO, umbrella body or processor with whom the Bank has an agreement, supported by valid delivery notes and an invoice showing the quantity supplied, expected payment date and amount due.
Post-Harvest Product Features
Key features and published terms of the DTB Post-Harvest Loan:
Features | Post-Harvest Loan |
|---|---|
Purpose | Short-term financing to bridge the period between harvest or produce delivery and receipt of sale proceeds, including approved storage, processing and transportation costs. |
Available channels | Branch, USSD, Mobile, API and partner applications for requisition, repayment and monitoring. |
Processing fee | 2% of the loan amount, as currently published by DTB. Applicable taxes and other approved charges may apply. |
Insurance | Crop insurance is required. |
Loan tenor | Maximum of 6 months. |
Repayment | Monthly instalments or balloon payments for select farm produce, subject to the approved facility structure. |
Interest rate | Prevailing market rate, subject to DTB confirmation before publishing and at the time of application. |
Financing amount | Up to 90% of the invoice/receipt amount, subject to credit assessment. |
Produce valuation | The value of the crop is determined by a bank-appointed agronomist. |
Loan limits | Each off-taker or SACCO is credit assessed and a limit granted to facilitate farmer loans. |
Disbursement | Farmers are required to open DTB accounts, where approved loans will be disbursed directly. |
Other support | Training and advisory services on production and marketing, including access to Ministry of Agriculture training, as currently published by DTB. |
Eligibility - Farmer Product Eligibility
The facility is offered to farmers who have supplied or delivered produce to off-takers, SACCOs, umbrella bodies or processors with whom DTB has an MoU or agreement, with assignment of proceeds to DTB.
The farmer should provide valid delivery notes and an invoice showing the quantity supplied, expected payment date and amount to be paid.
Both the off-taker and the farmer must be DTB customers.
All applications remain subject to DTB credit assessment, documentation and approval.
Farmer Appraisal Criteria:
The farmer should not have an existing loan already charged to the same crop or harvest.
Both the off-taker and farmer should have DTB accounts.
Eligible applicants may include individual farmers, groups of progressive farmers, producer companies and SACCOs engaged in agriculture.
Provide an invoice from the off-taker for produce already delivered for sale.
Have a tied-up arrangement for marketing the produce.
Assignment of receivables is required.
Collateral in a form acceptable to DTB and of sufficient value to support the loan amount may include accounts receivable, inventory, warehouse receipts, equipment and/or land.
Off taker Eligibility Criteria.
The off-taker or SACCO should be a DTB customer.
The off-taker should be a processor, aggregator or SACCO in good standing.
The off-taker should have a significant number of customers or farmers in its ecosystem.
Off taker Appraisal Criteria
At least 3 years of audited accounts.
An account maintained with DTB.
A good repayment record.
FAQs
A post-harvest loan is short-term agricultural financing used after harvest to bridge the period before a farmer receives sale proceeds. DTB Post-Harvest is designed for eligible farmers who have supplied or delivered produce through a qualifying off-taker, SACCO, umbrella body or processor arrangement. It can help cover approved storage, processing and transport costs while payment is pending, subject to DTB assessment and approval.
DTB Post-Harvest is specifically intended to bridge the gap between harvest or produce delivery and receipt of sale proceeds. If you have supplied produce to a qualifying off-taker and can provide valid delivery notes and an invoice showing the quantity supplied, expected payment date and amount due, DTB can assess your application for short-term financing.
Yes, the DTB Post-Harvest eligibility criteria require a valid delivery note and an invoice from the off-taker for produce already supplied or delivered. The facility is not automatically equal to the full invoice value: DTB currently publishes financing of up to 90% of the invoice/receipt amount, subject to valuation, credit assessment and approval.
DTB currently publishes financing of up to 90% of the invoice/receipt amount. The value of the crop is determined by a bank-appointed agronomist, and the final approved amount will depend on the produce value, the off-taker or SACCO limit, collateral, repayment structure and DTB credit assessment.
That is one of the needs DTB describes for Post-Harvest financing. The facility can help eligible farmers meet approved costs such as storage, processing and transport instead of selling immediately simply because they need cash. Any decision to hold produce should still consider spoilage risk, storage cost, market-price movements and the approved loan repayment date.
DTB states that Post-Harvest financing can help cover the cost of storing harvested crops. The storage arrangement and cost should form part of the approved financing purpose. If you intend to use a warehouse receipt or stored inventory as collateral, DTB will need to assess and accept the security structure.
DTB publishes processing as one of the post-harvest costs the facility can support. Depending on the approved use, this may help a farmer manage eligible post-harvest handling or processing costs before sale proceeds are received. Confirm the specific activities and budget with DTB during application.
Yes. Transportation is one of the uses specifically listed by DTB for Post-Harvest financing. If transport costs are part of the approved post-harvest plan, the facility may help bridge those costs while the farmer waits for payment, subject to DTB approval.
The maximum published tenor for DTB Post-Harvest is 6 months. Your actual repayment period will depend on the produce, expected off-taker payment date, approved facility structure and DTB assessment.
DTB states that repayment can be structured as monthly instalments or balloon payments for select farm produce. The exact repayment method and due date will be stated in your approved facility terms, so confirm how the repayment schedule aligns with the off-taker payment cycle before accepting the loan.
DTB currently publishes a 2% processing fee on the loan amount. The live product page contains more than one interest-rate statement, so applicants should confirm the current applicable interest rate, taxes and total cost directly with DTB before taking the facility. The final pricing will be stated in the approved offer.
Yes. DTB’s current Post-Harvest product terms state that crop insurance is required. The applicable cover, premium, exclusions and claims conditions depend on the insurance policy and the approved financing structure.
The product is designed for farmers who have supplied or delivered produce to off-takers, SACCOs, umbrella bodies or processors with whom DTB has an MoU or agreement and where sale proceeds can be assigned to DTB. Applicants may include individual farmers, groups of progressive farmers, producer companies and SACCOs engaged in agriculture, subject to appraisal.
Yes. DTB’s current eligibility criteria state that both the farmer and the off-taker should be DTB customers. Approved loans are disbursed directly into the farmer’s DTB account.
An off-taker is the buyer, processor, aggregator, SACCO or other organisation that receives or purchases the farmer’s produce. A verified off-taker arrangement helps DTB confirm the produce delivered, expected payment and source of repayment. DTB also requires assignment of receivables under the published product criteria.
The current DTB page specifically requires valid delivery notes and an invoice showing the quantity supplied, expected payment date and amount due. You should also be ready to complete DTB’s KYC and credit requirements and provide any supporting documents the Bank requests for the farmer, off-taker, collateral and produce valuation.
DTB lists warehouse receipts and inventory among the forms of collateral that may be acceptable, alongside accounts receivable, equipment and/or land. Acceptance depends on DTB appraisal and sufficient collateral value. This should not be read as automatic approval for every warehouse receipt or as a separate guarantee of formal warehouse-receipt financing.
DTB’s farmer appraisal criteria state that the farmer should not have an existing loan already charged to the same crop or harvest. If the produce is already pledged or financed elsewhere, disclose this to DTB so the Bank can assess whether the application is eligible.
A pre-harvest loan finances eligible costs before harvest, such as crop production, farm inputs and harvesting preparation. A post-harvest loan is used after harvest to bridge the period before sale proceeds are received and can support approved costs such as storage, processing and transport. DTB offers both products, subject to their respective eligibility and credit requirements.
Compare how much of your verified produce or invoice can be financed, the tenor, repayment timing, interest rate, processing fees, insurance, collateral requirements, off-taker conditions, disbursement process and whether the facility matches your actual payment cycle. DTB Post-Harvest currently publishes financing of up to 90% of the invoice/receipt amount, a maximum 6-month tenor and structured repayment options, subject to approval.
If you have already supplied eligible produce and payment is pending, post-harvest financing can be considered for the short-term cash-flow gap. DTB Post-Harvest is designed around verified delivery and expected off-taker receivables, with a maximum published tenor of 6 months. DTB will assess whether your payment cycle and documents fit the facility.
Use the Get In Touch option on this page or visit DTB to discuss your produce, off-taker, delivery documents, invoice amount, expected payment date and post-harvest financing need. Be ready to provide the required farmer and off-taker information, collateral details and supporting records. DTB will assess the application and confirm the approved amount, pricing, repayment and insurance requirements.
