Agri-Pioneer Scheme

Agribank welcomes you to our Agri-Pioneer Scheme, an affordable financing facility with relaxed terms and conditions designed for the youth.

What makes this offering different?

The Agri-Pioneer Scheme is strategically designed to support innovative and entrepreneurial customers in agriculture by fostering innovation and providing access to affordable credit, while promoting job creation and food security. This scheme provides relaxed funding conditions, including off-take agreements (instead of the traditional collateral requirement of fixed properties), offering flexible grace periods, low interest rates, and tolerance for collateral shortfalls.

Who qualifies?
  • Youth aged 18 to 35 years.
  • Women married in community of property are not eligible (if the spouse falls outside the youth bracket).
  • For legal entities, at least 50% of the ownership should consist of youth.
  • New and existing businesses are eligible subject to financial viability and development impact.

Loan Products

All loan products offered by Agribank are eligible, with the exception of debt take-over and debt consolidation. There is an added advantage to climate-adaptive and resilient projects, agro-processing, and innovations.

Which industries can optimally benefit from this offer?
All agriculture and agriculture-related industries. Projects that drive climate adaptation, ESG, and innovation are encouraged.

What is the loan limit?
  • N$4 million for farmland.
  • N$1 million for non-farmland loans.

Interest Rate

The minimum lending rate is 7%, and interest rates above 7% may be adjusted upwards as guided by the pricing policy.

Facilities Offered
  • Collateral (100% LTV).
  • Salary backed - debit order/payroll deduction.
  • Contract financing (Off-take agreement and tripartite agreement).

Click to download schemes and application
Date:
23 Jul 2025
Title:
AB Agri-Pioneer Scheme
Date:
18 Jul 2025
Title:
AgriWomen & AgriPioneer Application Pack_v1Feb2025.pdf

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FAQ

What type of security must I provide for a loan at Agribank?

Loans are granted against security of fixed property, investment or any other acceptable form of security (fixed deposits, investments and surrendering value of policies). read more

Does Agribank also provide personal loans?

No, Agribank is not a commercial bank. read more

Does Agribank provide loans to first time farmers?

Yes, Agribank can assist you to start farming. read more

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