Agricultural Loans for Farmers in Zimbabwe

Overview

A season starts with costs: seed, fertiliser, labour, equipment. The income comes later, at harvest. An agricultural loan covers the gap, so the crop goes in on time and the farm does not stall for want of inputs.

We finance inputs, production and other farming requirements for farmers and agricultural producers. Repayments are agreed before you accept, built around how and when you earn.

At a glance

Amount: $2,000 – $100,000
Term: 3 to 12 months
Decision: In one working day
Best for: Farmers and agricultural producers funding a season's inputs or production

Your own limit is set when your application is assessed. A decision in one working day applies to complete applications.

Enquire about this loan Ask on WhatsApp

Quick answers

What is an agricultural loan?

An agricultural loan is financing for farming: inputs, production and other farming requirements, paid for before the harvest income arrives. Baardy Micro Capital, a licensed credit-only microfinance lender, offers agricultural loans to farmers and agricultural producers in Zimbabwe, with a repayment schedule agreed before you accept.

Where can I get a farming loan in Zimbabwe?

At Baardy Micro Capital (Pvt) Ltd, in person at our Harare or Bulawayo offices. Bring your documents, and a person assesses your application. Complete applications get a decision within one working day, and the full cost is written down before you accept.

What documents do I need for an agricultural loan?

Bring a valid national ID. If your application needs anything else, our team will tell you during appraisal.

Last reviewed 4 October 2026

Is it for you

What agricultural loans are for

The purposes this loan is meant for, and the people it is meant for.

You can use it for

Seed, fertiliser and other inputs
Production costs through the season
Other farming requirements, such as tools and labour

It is meant for

Farmers funding a season's inputs
Agricultural producers growing their output
Smallholders who need working capital before harvest

How to apply

Come in with your papers, leave with an answer

Applications are made in person, so you can ask questions and see everything in writing.

What to bring

A valid national ID

If your application needs anything else, our team will tell you during appraisal.

01

Visit a branch with your documents

Come in to our Harare or Bulawayo branch with your valid national ID, and anything else our team asks for.
02

Credit appraisal and approval

Our team assesses your application and supporting documents. Once it meets the required criteria, it moves forward to approval.
03

Loan disbursement

Once your loan is approved, the funds are disbursed to you according to the agreed terms.

Questions

Before you apply

If yours is not here, a person will answer it. Call us on +263 772 550 189.

01

Who can apply for agricultural loans?

Agricultural Loans are for farmers funding a season's inputs, agricultural producers growing their output and smallholders who need working capital before harvest. Applications are made in person at one of our branches, and a person reviews every one.

02

What do I need to bring?

Bring a valid national ID. If your application needs anything else, our team will tell you during appraisal.

03

How much can I borrow, and for how long?

Amounts for this loan range from $2,000 to $100,000, over 3 to 12 months. Your own limit is set during credit appraisal and depends on what your income or turnover can support. You see it in writing, with every fee and the total you will repay, before you accept.

04

How quickly will I get a decision?

Complete applications get a decision within one working day. An application that is missing documents takes longer, so it is worth bringing everything on your first visit.

05