LANDBANK’s

Agri-Credit
Programs for
MSMEs and
Cooperatives
AGRI-CREDIT PROGRAMS FOR
MSMEs, COOPS AND SFF

SULONG SAKA
①
(High Value Crop Financing)

Climate Resilient Agriculture

②
Financing Program

③ HARVEST

Socialized Credit Facility for ARBs and

④
SFF thru Conduits
 SULONG SAKA
LENDING PROGRAM

Eligible • Small Farm Holders

Borrowers • Cooperatives and Farmers Association
• SMEs, Large Enterprises, NGOs, CFIs, LGUs

• Production of High Value Crops

Loan • Acquisition of machineries and equipment, including
Purpose for post harvest and processing
• Trading Operation

Loanable • Up to 80% of project cost

Amount • For individual farmers, up to 90% of project cost
• For LGUs, based on need but not more than the
NBC

Small Farm Holders : 5% per annum

Interest Rate Other borrowers : Based on prevailing rate
 CLIMATE RESILIENT AGRICULTURE
FINANCING PROGRAM

Lending program to promote climate change mitigation and adaptation initiatives

and address climate change risks and helps nurture innovation development at
community level

Eligible • Cooperatives and Farmers Association

Borrowers • SMEs, Large Enterprises, NGOs,
• LGUs

• Crop, livestock and fishery production projects that:

Loan – Utilize climate resilient technologies
Purpose – Adopt planting materials and seedling techniques for climate resistant food
crops
– Adopt farming system for climate change adaptation
• Acquisition/construction of facilities and equipment for climate
change adaptation
• Other new and emerging technologies endorsed by the DA
Loanable • Up to 80% of project cost
Amount • For LGUs, based on need but not more than the NBC

Interest Rate Based on prevailing rate

 HARVEST PROJECT
A JICA-funded project to promote agri-investment and support the
Government’s peace-building effort in the conflict-affected areas in
Mindanao

Eligible • Cooperatives
Borrowers • Small and Medium Enterprises
• Large Agri-Enterprises

• Agriculture/Fishery
Loan • Food/Agro-Fishery Processing
Purpose • Farm Machinery and Equipment
• Agri/Fishery-related Services
• Product Distribution/Packaging/Trading

Loanable
• 80% of the total project cost
Amount

Fixed over the term of the loan:

Interest Rate • PhP-denominated Loans: Minimum of 5.65% p.a.
• JPY-Denominated Loans: Minimum of 2.15% p.a.
 Socialized Credit Facility for ARBs and
SFF thru Qualified Conduits
Eligible • Cooperatives and Associations
Borrowers • Agribusiness firms (providing credit support to ARBs
and SFF)
• CFIs and NGOs

• For on-lending to ARBs and SFF, or rediscounting of

Loan eligible sub-PNs pursuant to RA 10000
Purpose

Loanable • Up to 80% of project cost

Amount
Not more than 75% of the interest rate computed based
Interest and on prevailing benchmark rate and credit rating of the
Pass-on Rate borrower, but not higher than 5% p.a.
Pass-on rate should not exceed 5% over the interest
rate charged by LANBANK
 CURRENT PROGRAMS OFFERED AT LOW
INTEREST FOR SFF, COOPERATIVES AND MSMEs

Agricultural Competitiveness
ACEF
Enhancement Fund Lending
Program
LEGISLATED
Expanded Rice Credit
LENDING ERCA-
RCEF Assistance under the Rice
PROGRAMS Competitiveness Enhancement
Fund
SCP- Socialized Credit Facility
SIDA
Under SIDA
 ACEF
LENDING PROGRAM

Eligible • Individual Farmers and Fishers

Borrowers • Cooperatives, Farmers and Fishers Associations
• Micro and Small Enterprises

• Farmers and Fishers

Loan
- Purchase of farm inputs, equipment or for
Purpose farm improvement
•   Coops, Farmers Association and MSEs
- Acquisition agricultural fixed assets

Loanable Up to 90% of total project cost but not more than:

Amount • P1.0 Million - Farmers and Fishers
• P5.0 Million - Coops, Farmers Association, MSEs

2% per annum fixed for the term of the loan.

Interest Rate
 ERCA-RCEF
LENDING PROGRAM

• Individual Rice Farmers listed in the RSBSA

Eligible
• Cooperatives accredited by the DA, with rice
Borrowers farmer-members (registered in the RSBSA)

• Individual Rice Farmers

- Purchase of farm inputs for rice and seed
production
Loan - Acquisition of machineries and equipment
Purpose •   Cooperatives
- Purchase of farm inputs for rice and seed
production
- Acquisition of machineries and equipment
- Working capital for rice trading and/or
relending to members

Loanable Up to 90% of total project cost

Amount

Interest Rate 2% per annum

 SCP-SIDA
LENDING PROGRAM

Eligible • Individual Sugarcane Farmers

Borrowers • Cooperatives and Farmers Associations
• Sole Proprietors, Partnership or Corporations

• Sugarcane Farmers
– Purchase of farm inputs for sugarcane production
Loan • Coops and Farmers Association
Purpose – Sugarcane production under collective/block farming
– Acquisition of farm machineries and equipment, and
working capital for common service center
• Sole Prop, Partnership, Corporations
– Acquisition of farm machineries and equipment, and
working capital for common service center

Loanable Amount
Up to 90% of total project cost

• Sugarcane Production : 2% per annum

Interest Rate • Common Service Center: 6.5% per annum
 OTHER LENDING PROGRAMS

PROGRAM ELIGIBLE BORROWERS PURPOSE

Agri-Mechanization • Sole Proprietorship • Fixed Assets Acquisition
Financing Program • Partnership • Permanent Working Capital
• Corporation • Working Capital
• Cooperative
• LGU

Sustainable Aquaculture • Cooperatives/Federations, • Purchase of inputs for

Lending Program • Associations/NGOs
• MSMEs
• Large Agri-business Entities
• Countryside Financial
Institutions
Aquaculture/Mariculture Production
• Working Capital for Trading/Marketing
operation
• Fixed Assets Acquisition (Pond
development and/or improvement
• Building Construction (cold storage/
refrigeration, processing plants, etc.)
• Rediscounting
 Agri-Value Chain Financing

Legend:
LANDBANK
Commodity Flow
Funds Flow

Loan Repayment

Repayment Working Capital Repayment Working Capital Repayment Working Capital

Production Loan Fixed Asset Loan Fixed Asset Loan

Credit Conduits Sales Proceeds Sales Proceeds

 Coops MILLER
 Ass’n PROCESSOR Market Outlet for
 ABEs MANUFACTURER local/foreign buyers
Raw Materials Agri Produce
 CFIs

Relending Agri Produce

Farmers and
Fisherfolk
ADDITIONAL PROGRAM INITIATIVES

Credit Assistance Program for

CAP-
PBD
Program Beneficiaries
Development
SPECIAL Expanded Assistance to
LENDING E-ARISE Restore and Install
Sustainable Enterprises
PROGRAMS
Sustainable Aquaculture
SALP
Financing Program
 CAP-PBD
LENDING PROGRAM
Eligible • ARB Cooperatives /Farmers Associations with
Borrowers ARB members
Loan • Agri-enterprise/livelihood loans
Purpose
For ARBOs with loan applications endorsed by DAR Provincial Offices (DARPO) prior to
program expiry or until 15 March 2021, subject to Item 5-Transitory Policies:
 
Loanable • Up to 80% of the total project cost but not to exceed P5.0 million

Amount • Loans of more than P5.0 million - shall be subject to endorsement by the Local
Program Management Committee (LPMC) and clearance/approval by the NPMC.
 
For ARBOs with loan applications endorsed by DARPO after March 15, 2021:

Category of ARBO-Availer Loanable Amount Category of Loan Availment

Start-up Up to P0.400 M 1st availment
2nd cycle More than P0.40 M to P1.0M 2 availment, based on track
nd

availer   record and repayment

capacity
3rd cycle availer More than P1.0 M up to 3rd
maximum loanable amount availment, based on track
(actual credit requirement) record and repayment
capacity

Interest • Short-Term Loan and Term Loan - 5% p.a.

Rate
 E-ARISE ARBs
LENDING PROGRAM
• ARB Cooperatives (Coops) and Farmers Associations (FAs)
Eligible with ARB and SFH members which and/or whose members
Borrowers have been adversely affected by the following: (a) Natural
calamities such as typhoons, earthquakes, volcanic eruptions,
and; (b) other calamities and epidemic or pandemic
outbreaks of human and/or animal diseases or plant
infestations
Loan
• Agri-enterprise/livelihood loans
Purpose • Provident loans

Interest • Livelihood Loan : 3% per annum, with pass on rate of not

Rate more than 6% per annum
• Provident Loan : 0% per annum, with pass on rate of not
more than 3% per annum
 E-ARISE ARBs
LENDING PROGRAM
Loan For ARBOs with loan applications endorsed by DAR Provincial Offices
Purpose (DARPO) prior to program expiry or until 15 March 2021, subject to
Item 5 – Transitory Policies:
• Up to P1.0 M per ARBO

For ARBOs with loan applications endorsed by DARPO after the

program expiry:
Category of ARBO-Availer Loanable Amount Category of Availment
Start-up Up to P0.40M 1st availment
2nd cycle More than P0.40 M to 2nd Availment, based on track
availer P1.0 M record and repayment capacity

3rd cycle availer More than P1.0 M up to maximum 3rd Availment, based on track
loanable amount record and repayment capacity
(actual credit requirement)

For Agri-Enterprise and Livelihood Projects, the project cost sharing of

80:20 shall be maintained at both ARBO and member-sub-borrower
level, based on Farm Plan and Budget and Simplified Business Plan,
as applicable
 SALP
Eligible • Cooperatives/Federations
Borrowers • Associations/Non-Government Organizations
• Micro, Small and Medium Enterprises
• Large Agri-business Entities
• Countryside Financial Institutions
Loan • Purchase of inputs for Aquaculture/Mariculture Production
• Working Capital for Trading/Marketing operation
Purpose
• Fixed Assets Acquisition (fishing vessel/banca &
• paraphernalia, fish cage, pump, aerator, High Density
Polyethylene (HDPE) liner, generator, transport, machinery,
equipment, etc.) and installation of other support facilities
• Pond development and/or improvement
• Building Construction (cold storage/refrigeration, processing
plants, etc.)
• Rediscounting

Loanable Amount • Up to 80% of the total project cost

Interest Rate • Based on prevailing rate

 SIMPLIFIED DOCUMENTARY
REQUIREMENTS
Farmer and Fisher - 1 page duly-filled up application form
Borrowers - 1 page promissory note
- 1 government-issued ID
- Farm Plan and Budget or templated simple
business plan
- Barangay Clearance

Cooperatives - Duly filled up standard application form

- Cert of CDA registration and by-laws, and
compliance
- Bio-Data of Officers
- Board Resolution
- Audited FS
- Consolidated Farm Plan & budget/project propos
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Regulated by the Bangko Sentral ng Pilipinas

(+632) 8708-7087; consumeraffairs@bsp.gov.ph
 Region 6 | LANDBANK - Iloilo Lending Center

• LANDBANK Iloilo Lending Center

Tel. Nos.: (033) 336-0391 | local 3192 |
8209
Email Address: lbpiloilolc@yahoo.com.ph

GIOVANI T. BAOY
Assistant Vice President
Head, Iloilo Lending Center
LANDBANK’s
Customer Service
CARLA E. SOLLESTA
Hotline: Account Officer
(02) 8-405-7000 Iloilo Lending Center
or
Mobile No.: 0908-860-6710
1-800-10-405-7000
PLDT Domestic Toll Free Email Address: talatala16@yahoo.com.ph
 www.landbank.com

www.landbank.com