The Agricultural Credit Facility (ACF)
A joint initiative of the Government of Uganda and participating commercial banks — providing affordable medium and long-term credit for agricultural enterprises.
- Interest rate: 12% per annum — significantly below commercial rates
- Loan tenor: up to 8 years for capital investments, up to 2 years for working capital
- Eligible: primary production, agro-processing, storage, and marketing
- Apply through: Stanbic, dfcu, Centenary, Finance Trust, PRIDE, and other participating banks
Commercial Bank Agricultural Loans Uganda
| Bank | Interest Rate | Key Feature |
|---|---|---|
| Centenary Bank | 24 — 28% | Strong rural branch network |
| dfcu Bank | 22 — 25% | Value chain financing |
| Finance Trust Bank | 24 — 30% | Accessible for smaller farmers |
Donor-Funded Agricultural Grant Programmes Uganda
- USAID Feed the Future: multiple Uganda programmes providing grants and technical assistance for coffee, beans, maize, fish value chains
- GIZ agricultural programmes: supporting farmer groups with matching grants
- EU rural development programmes: grant funding for farmer organisations and agro-processors
- Africa Enterprise Challenge Fund (AECF): competitive grants for private sector agricultural businesses
Digital Agricultural Finance Platforms Uganda
- Apollo Agriculture: uses satellite and mobile data to assess farmer creditworthiness
- Tulaa: input credit for farmers repayable at harvest
- Numida: mobile credit for small agribusinesses
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