AFU
African Farming Union
African Farming Union
Comprehensive agricultural financing designed for African farmers. From seed capital to harvest advances, we provide the funding you need at every stage of your farming journey.
Seven specialized products covering every financial need in agriculture. Each is tailored to the realities of African farming cycles and markets.
Our own agricultural banking arm with savings, deposits, and mobile-first accounts designed for farming communities.
SBLCs, Letters of Credit, export pre-financing, warehouse receipt finance, and FX services via our banking partners. Our highest-margin product powering cross-border agricultural trade across Africa.
Get seeds, fertilizers, and chemicals without cash upfront. We pay approved suppliers directly and deduct at harvest.
Finance tractors, irrigation systems, solar panels, cold storage, and other critical farming equipment over flexible terms.
Season-linked lending from pre-plant through harvest. Repayment tied to your crop cycle and offtake revenue.
Bridge the gap between crop delivery and buyer payment. Receive up to 80% advance on verified offtake contracts.
Long-term financing for farmland purchase, farm buildings, processing facilities, and storage infrastructure.
At AFU, lending decisions aren't made by distant committees. Your peers — fellow farmers who understand your land, your crops, and your potential — participate in the review process. When your community believes in you, so do we.
Community members who know your farming operation vouch for your capability and character.
Peers participate in the lending review, adding a trust layer that traditional banks cannot replicate.
When one farmer succeeds, the entire community benefits — creating aligned incentives and stronger repayment rates.
Our peer-reviewed lending model achieves a 98.2% repayment rate — higher than any traditional agricultural lender in our markets.
Our streamlined process gets you from application to funded in as little as 48 hours for pre-approved members.
Complete your membership and KYC verification.
Select the finance product that fits your needs.
Provide your farm details, crop plan, and documents.
Receive funds directly or through supplier payments.
Check your eligibility in under 5 minutes. No obligation, no impact on your credit score.