DA-ACPC – DBP AgriNegosyo Loan Program

The DA-ACPC – DBP AgriNegosyo Loan Program is a credit facility designed to provide essential financial support, aiming to boost local agri-fishery activities and contribute to the overall growth of this critical sector. The Program was created in recognition of the vital role being played by micro and small enterprises, as well as farmers and fisherfolks in the local economy.

Eligible Borrowers

Micro and small enterprises, farmers and fisherfolks duly registered business with the Securities and Exchange Commission (SEC), the Department of Trade and Industry (DTI), or the Cooperative Development Authority (CDA).

Eligible Loan Purpose/s

To finance any or combination of the following related to agri-business:

1. Invoice financing
2. Purchase order financing
3. Permanent working capital, including inputs provision
4. Purchase of equipment and/or fixed assets, farm animals such as but not limited to cow, carabao, horse
5. IT-related expenses (capex, subscription, software, etc.)
6. Expansion of existing business

Eligibility Criteria

The borrower must meet the following:

1. For individual farmers:

• • • Must be registered with the RSBSA;
    • No adverse unresolved findings in relation to CI and watchlist validation (specifically charges of unlawful activities), as applicable; and
    • Has undergone training related to the proposed project for financing

2. For farmer-enterprises:

• • • Duly registered business with SEC, DTI, or CDA;
    • No adverse unresolved findings in relation to CI and watchlist validation (specifically charges of unlawful activities), as applicable;
    • Business must be operating for at least one (1) year and must exhibit sound financial condition; and
    • Has undergone training related to the proposed project for financing

Credit Facility

Term Loan

Loanable Amount

1. For Individual farmer: Minimum of P100,000 up to P500,000

2. For farmer-enterprise: Minimum of P500,000 up to P5,000,000

Loan Tenor

Up to five (5) years, inclusive of up to two (2) years grace period

Repayment Terms

Payable monthly, quarterly, or semi-annually

Interest Rate

Two percent (2%) per annum. GRT for the account of the borrower

Service Fee

One-time service fee of 3.50%, computed based on the approved loan amount, payable upfront or to be deducted from the initial loan release. GRT for the account of the borrower.

Loan Securities/Conditions 

Any or a combination of the following, if applicable/case-to-case basis:

1. 1. Unregistered mortgage on project assets
2. 2. Assignment of crop insurance proceeds, if applicable
3. 3. Assignment of Receivables of at least 125% coverage via execution of Security Agreement for Intangible Assets (SAFIA)
4. 4. Other collaterals/security acceptable to the Bank under existing policies

Documentary Requirements

The borrower shall submit the following:

1. DBP Agricultural & Fisheries Enterprise Loan Application Form and other Bank Forms;
2. Proof of registration with RSBSA;
3.Bio-data of incumbent officers and Board of Directors with government-issued ID, as applicable;
4. Board Resolution authorizing the organization to borrow and designating authorized signatories, as applicable; Certified True Copy of Certificate of Registration from the DTI/ SEC/CDA;
5. Certified True Copy of Articles of Incorporation/Cooperation and By-Laws, as applicable;
6. Photocopy of valid government-issued ID;
7. Audited Financial Statement for the last year or interim financial; and
8. Current year Business Permit

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Contact Details

For more information, please contact:
Program Development and Management II Department
Tel No.: (02) 8818 – 9511 local 2330/2329/2349
Email: pdm2@dbp.ph / pdm2-lpdu@dbp.ph

Please note that submission of additional documents may be required, depending on the evaluation of the Lending Center.