Pre-harvest loans are vital for farmers because they allow them to invest in their crops ahead of time, boosting the chances of a successful harvest. Farmers who have access to capital for goods and labor can optimize their agricultural techniques, increase yields, and increase their income.

DTB's Pre-Harvest loan will give farmers with direct pre-harvest financing to cover a variety of pre-harvest expenses, such as farm preparation, fertilizer application, and harvesting labor, among other things. DTB will collaborate with aggregators, Saccos, and cooperatives to act as middlemen between farmers and banks, assisting in risk assessment, verification of farming techniques, and loan disbursement and repayment.

• Pre-Harvest Product Features
  The key features and benefits of preharvest loan are as follows:

  Features	Pre-Harvest Loan
  Available channels (requisition/ repayment, monitoring)	Branch USSD Mobile API, Partner Applications
  Uses	Short-term finance to enable farmers to complete crop production, harvest and prepare produce for market/sale or storage/warehousing (Includes preservation of produce, storage, transportation to market etc.)
  Description	Short-term finance to enable farmers prepare produce for harvest/storage/market/sell the crops.
  Processing Fee	2% on the loan amount
  Insurance	Crop insurance will be required
  Loan Tenor	1 Year – Regular Crops
  Repayment	Maximum of 1 year or crop period/cycle, whichever is shorter for farm inputs financing.
  Disbursement Of Loans	Farmers will be required to open DTB accounts where loans will be disbursed directly.
  Documents Required	KYC documents Duly filled in (e)/ application form Identity proof- National ID card/KRA pin card/Valid Passport Address proof: Bank statement and farmer record. Any other document requested for by the bank/ DTB
  Other benefits	Training and advisory services on production and marketing, Access to training by the Ministry of Agriculture

• Benefits
  • The loan will be granted to farmers to cover for short-term finance and enable them complete crop production, harvest and prepare produce for market (including transportation labor, etc.)
  • The loans will be given to farmers with off taker arrangement or farmers who are members of a SACCO or a Cooperative.
• Eligibility

  Eligible farmers of this Loan are – Farmers, Farming cooperatives, Agri-food and food processing, Input suppliers (seed, fertilizer, pesticides)

  Farmer Eligibility criteria:

  The following are eligibility criteria for the farmer:

  • Members of SACCOs or Umbrella bodies and with clean records
  • Farmer to agree to checks by the bank assigned extension officer.
  • All entities should open a DTB bank account.
  • All entities should have Good Credit rating.
  • Bank statement and or farm produce records showing farm output and the revenues generated from farm sales.
  • Assignment of sale proceeds by farmers from the Off takers
  • They should have some tied-up arrangement with Off-takers for sale of the produce.
• Off taker/ Aggregator Eligibility Criteria.
  • He should have at least 3 years audited accounts.
  • Good repayment record
  • Either a processor/ SACCO/cooperatives or large trader.
  • DTB account holder
  • Initially limits will be granted to SACCO’s and aggregators who will utilize the same to finance farmers, whom they have offtake agreements with. These loans to farmers will be approved individually by the bank upon production of the said agreement, proof of good track record of the farmer, and assignment of receivables to the bank.
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Post Harvest Loans: Our post-harvest loan is intended to bridge the gap between the harvest and sale periods. The loan helps farmers with liquidity before they get sales profits from the off taker.

Our post-harvest loans will help farmers cover the costs of storing, processing, and transporting their produced crops, allowing them to avoid selling their produce at a low price right after harvesting due to a lack of storage or processing capacity. These loans allow farmers to preserve their harvests until market circumstances improve, resulting in more revenues and lower losses.

• Post-Harvest Product Features
  The key features of agriculture loans are as follows:

  Features	Post-Harvest Loan
  Available channels (requisition/ repayment, monitoring)	Branch, USSD, Mobile, API, Partner Applications
  Interest rates	CBR+ Margin- (18%)
  Processing Fee	2% on the loan amount
  Insurance	Crop insurance will be required
  Loan Tenor	Maximum of 6 months.
  Repayment	Method of loan repayment is either monthly installment or balloon payments of select farm produce.
  Quantum of Loan	Financing up to 90% of the invoice receipt amount The value of the crop to be determined by a bank appointed agronomist.
  Loan Limits	Each off taker /SACCO will be credit assessed and a limit granted to facilitate farmers loan.
  Disbursement of loans	Farmers will be required to open accounts with DTB where loans will be disbursed directly.
  Other benefits	Training and advisory services on production and marketing Access to training by the Ministry of Agriculture.
  Approval Authority	As per Banks existing approval matrix

• Eligibility Farmer Product Eligibility
  • The product will be offered to farmers who have supplied/delivered produce to Off-takers/SACCOs/Umbrella bodies/Processors with whom the bank has an MoU/Agreement and assignment of proceeds to DTB.
  • The farmer should provide us with a valid delivery notes and invoice showing the quantity supplied, the expected date of payment and amount to be paid to the farmer.
  • Both Off-taker and farmer to be DTB customers
• Farmer appraisal criteria:
  • The farmer Should not be having any existing loan charged to the crop/harvest.
  • Both off taker and farmer Should have a DTB Account.
  • Individual/ group of progressive farmers/ Producer companies/ Saccos engaged in agriculture.
  • Provide an invoice from the off taker on the produce already delivered for sale.
  • They should have some tied-up arrangement for marketing of the produce.
  • Assignment of the receivables is required.
  • Collateral in agreeable form (accounts receivable, inventory, warehouse receipts, equipment and/or land), and sufficient value to support loan amount.
• Off taker Eligibility criteria.
  • The off taker/SACCO shall be a DTB customer.
  • Shall be a processor/aggregator or SACCO of good standing.
  • To have a significant number of customers in their ecosystem.
• Off taker appraisal Criteria
  • He should have at least 3 years audited accounts.
  • Have an account maintained with DTB.
  • Good repayment record
• • Apply now