The Agricultural Development Bank of Trinidad and Tobago (ADB) specializes in development financing for the agricultural sector. Its holistic approach to providing the best financial solutions nurtures investment and entrepreneurship across the entire agri-food chain and in all aspects of agriculture.

The Bank uses its knowledge and over 40 years experience to create a portfolio of innovative and comprehensive financial products and services. These are uniquely tailored to meet the diverse needs of  farmers  and  other  agri-entrepreneurs  consistent with  sector  development and Government’s mandate  given to develop the agricultural sector.   Financial packages also support technologies that can radically increase food production and profitability.

Borrowers can benefit from supervised credit, amortised lending, unbeatable interest rates, a  moratorium,  flexible repayment terms and conditions,  a combination of expert technical and marketing support and a  special window for micro-enterprise financing.

In collaboration with its strategic partners, the Bank continues to focus on sectors of national and economic importance. The aim is to contribute to increased employment, farmers and agri-entrepreneurs standard of living, increased sector competitiveness, sector sustainability, food and nutrition security and rural development.

There continues to be a focus on the development of the talent and skill of the youth in agriculture. This will create a new generation of entrepreneurs to contribute to re-defining the future in agri-sector investment and financing.

The ADB has also been promoting savings and investments especially within the farming community through the introduction of savings and investment financial products.  These financial products facilitate credit access and also encourage the accumulation of wealth among our borrowers.  

You can also keep up to date with your ADB Accounts through our Online Banking Facility.

As the Bank for the agricultural sector - ADB is seen as the ‘First Choice’ for employees, customers and stakeholders!.  

Categories of  Financial Products and Services

Loans

Short, medium–long term loans at competitive interest rates  are offered in sector categories such as Food Crops, Livestock, Fish, Apiculture (Bee-keeping), Forestry, Agricultural Services, Agro-Processing, Agro-Tourism and Cooperatives. There are no lending limits, subject to credit criteria and project appraisal.  Loans are offered for a range of purposes that include project establishment, rehabilitation or expansion, the purchase of equipment, machinery and vehicles, farm house construction, working capital, operating costs and infrastructural development. Types of collateral accepted are property, machinery /equipment or vehicles, assignment of liquid assets and guarantees.

Savings and Investments

The Bank offers regular savings deposit accounts, fixed deposits, and Certificates of Security at very competitive rates. Fixed deposits and Certificates of Security can also be used as collateral.  The Certificate of Security is a stable, investment instrument available from loan funds to borrowers who need to acquire collateral or who desire to use an investment facility as loan collateral.