What Is an Agri-Business Loan?
An Agri-Business Loan is a form of business finance tailored for those operating in agriculture-related sectors—farming, food processing, supply chain, warehousing, agri-tech, and input supply.
It helps farmers, FPOs, cooperatives, traders, and rural startups scale up operations with low-interest, seasonal-friendly repayment terms.
Who Can Apply?
Individual farmers or agri-entrepreneurs
Agri-input retailers (fertilizer, seed, pesticide suppliers)
Agri-startups in logistics, cold chains, or tech
Food processors and dairy units
FPOs (Farmer Producer Organizations)
Rural women in agribusiness
Agri-exporters
Key Loan Features with Vizzve Finance
| Feature | Details |
|---|---|
| Loan Amount | ₹25,000 to ₹1 Crore |
| Interest Rate | From 7.5% p.a. (based on category) |
| Repayment | Flexible (monthly/seasonal cycles) |
| Loan Type | Term Loan / Working Capital / Top-up |
| Tenure | 6 months to 7 years |
| Collateral | May be required based on ticket size |
Documents Required
Aadhaar & PAN
Land ownership / lease documents
FPO registration (if applicable)
Bank statements (6–12 months)
Income proof or crop receipts
KYC of business or proprietor
Agri-license (for input sellers or food processors)
Loan Uses
Purchase of seeds, fertilizers, and agri-inputs
Tractors, harvesters, and farm equipment
Setting up cold storage or warehousing
Working capital for produce traders/exporters
Buying dairy cattle or poultry infrastructure
Agro-processing machines and units
Weatherproofing and drip irrigation setups
Why Choose Vizzve for Agri-Business Loans?
🧾 Minimal paperwork & rural KYC support
📱 Mobile-first application process
🧠 Credit decisions based on agri-income patterns
🤝 Tie-ups with NABARD/Agri-NBFCs
🚀 Loans even for low-credit or new-to-credit applicants
FAQs
Q1. Can I get a loan without ITR or salary slip for agri-business?
Yes. Vizzve accepts alternative income proofs like mandi receipts, land records, or transaction logs.
Q2. Are subsidies available?
Yes. We guide you on government-backed schemes like PMFME, NABARD schemes, and Agri-Infrastructure Fund.
Q3. What if I only have leased land?
Lease documentation and usage proof may qualify you for certain loan types.
Q4. Do you finance solar pumps or drip irrigation?
Yes. Such projects are eligible under sustainability-linked agri-loans.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed