Agribusiness Overview

Stanbic Bank's Agribusiness sector specialists have in-depth knowledge of the agribusiness sector and its value chain, from input suppliers, primary producers, aggregators, processors, wholesalers and retailers of agricultural products and commodities with a particular focus on emerging markets.

Products and Services

The following range of products and services are specifically tailored to the requirements of our agribusiness clients.
• Overdraft for Working Capital
• Agricultural Production Loans
• Structured trade and commodity finance, including import and export financing
• Bank Guarantees
• Term Loans

Overdraft

It is a facility granted to business current account holders, which enables them to overdraw the current accounts up to an agreed limit.


Features
• Short term facility (maximum period is 1 year),
• Normally for working capital,
• Should fluctuate widely within the approved/agreed limit,
• Interest is calculated on utilisation on a daily basis and is debited to the account monthly,
• Renewable on expiry,
• Repayable on demand,
• Usually secured with suitable collateral
• Quick and easy to arrange

Fixed term loans

It is a facility granted on a reducing balance basis to finance business improvements of a capital nature.


Features
• Structured over Short to medium term facility (maximum period is 1 year),
• A separate account to the operating one is opened for the purposes of utilising the facility.
• Interest is calculated on a daily balance and is debited to the operating account.
• Set loan repayment instalments (e.g. monthly, quarterly or bi annually)
• The facility is secured with suitable collateral

Agricultural Production loan

An Agricultural Production Loan (APL) is short-term credit to support agricultural input costs and working capital financing over a farming season. This product is suitable for grain farmers cultivating on an irrigation basis for winter and summer cropping. Loans are provided to legal entities in the agricultural sector, including commercial farmers and agri-businesses. Facilities are repaid at the end of a season after selling the crop. Drawdown of the next season’s cashflow is allowed upon full repayment of the previous season loan facility.

Structured Trade and Commodity finance

Structured Trade and Commodity Finance (STCF) provides tailor made financial solutions for commercial and commodity related transactions. Typical products and services include facilities under Collateral Management Agreements (CMA) and financing under Stock Monitoring Arrangements (SMA). We also make use of Debtor Financing, Promissory Notes and Guarantees under Structured Trade Financing arrangements.


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