"Agri-business" - the broad term used to describe the various enterprises involved in modern-day food production such as farming, supply of seeds, agri-chemicals, farm machinery, wholesale and distribution, processing, local and export marketing and retail sales.

Food Security is the reason why now, more t ver, a: career in agriculture is attractive and lucrative. As such, ADB not 0 I rovides specialised financing for the agri-sector, but also steadfastly supports Trinidad and Tobago's Food Security stalwarts. We achieve this through our uEiq e combination of expert technical support, business m torship, marketing assistance and unbeatable funding packages, such as Youth Window.

YOUTH WINDOW LOAN?

Youth Window approaches Agri-business in a fresh ttnd modern way to encourage young people to pursue a rewarding career in this vibrant sector. This versatile loan provides the right mix of financing and comprehensive support services for existing or potential young agri-entrepreneurs.

Youth Window is a "cool" funding concept that ADB has developed to support youths who want to realise Agri-business success. It not only helps with putting more dollars into your pocket, but it also puts YOU in charge of your professional growth. With Youth Window, you can chart your own course forward and realise all of your wildest dreams!

Youth Window is a medium-term loan that provides funding of up to 80% of your selected activity (the maximum loan value is $25,000). It boasts the following exciting features:

• An unbeatable rate of interest 
• Collateral support: 20% from ADB and the option of up to 60% from the Business Development Company (BDC) as applicable. With this great support, all you have to contribute is 10% of the loan
• Flexible repayment plan (monthly, quarterly or semi-annually)
• A payback period of 3 years (inclusive of a moratorium
• of up to 3 months if necessary)
• Minimal loan fees
• Group life insurance coverage
• Funding for all loan fees that are payable upfront (except the application fee)

In order to enroll the nation~ forward thinking youth into the sector, ADB has created Youth Window, one of its most rogressive Agri-business products. It features unique ements designed especially to ensure that young people establish or maintain profitable enterprises. These include:

• Technic 1 and managerial support: you are assigned a professional advisor who will give you support, make regular checks and guide our success.
• Mentor: a real-life success story is yours in the form of a personal
• mentor. Your mentor will serve as a role model, providing motivation as you go along.
• Personali ed service: your own personal ADB Loans Officer is vailable for the duration of the loan, making periodic site visits to
• ens re that you are on the right path to achieving your goals.
• Additional support: access to ADB affiliates CBDC, Ministry of Land and Marine Resources CMALMR), National Agricultual Marketing and Development Corporation CNAMDEVCO, etc.) that can offer support services.
• Free instructive literature: you receive enterprise management handbooks and cost of production models to guide you as your project grows.
• Supervised credit: your loan will be disbursed in parts to ensure optimal use of funds and project implementation.
• Incentive for timely loan repayment: 10% rebate on total interest paid. Being on time with your payment puts dollars back into your pocket!
• Loan reduction: incentives paid by MALMR and the Tobago House Assembly CTHA) can be applied to reduce your loan value.
• Safety net: A special fund from which emergency financing can be obtained if necessary. If you are facing serious risk with your project, this fund will help you see your way through.
• Loan restructuring: This can be arranged in the event of a problem .

YOUTH WINDOW LOAN?

• Young, existing and potential Agri-business entrepreneurs
• Persons aged 18 - 35 years
• Employed or unemployed persons
• Persons involved in or interested in pursuing any Agri-business project, except sugar cane, cocoa, rice or dairy

ABOUT YOUTH WINDOW?

Interested in growing short-term crops or in starting a nursery to provide seedlings for other farmers or for an agro shop) Want to market produce for a large-scale farmer in your area) Or maybe you want to dive into aquaculture? Youth Window is your way through as it can be used for most forms of Agri-business. Whatever the path you want to pursue or the area in which you wish to improve your skills, see the way ahead with Youth Window!

With Youth Window, you 'can visualise your start in a brilliant future. It allows you to fast track into agri-entrepreneurship, but with the guidance and support of experts who want you to succeed. Youth Window is all about you and its benefits are endless! They include:

• A low loan repayment amount
• Applicable incentives from MALMRfTHA to reduce your loan balance
• Collateral support, so less stress on you to provide security
• Great savings opportunity through ADB's collateral contribution in the form of a savings and investment account (an ADB Certificate of Deposit) in your name
• Hassle-free borrowing with minimal up front fee payment and the inclusion of loan fees in the full loan amount
• Convenient repayment terms
• Peace of mind and financial security
• Staggered loan disbursements ensure the best and smartest use of funds
• Reduced risk of project failure because ADB experts "have your back"!
• Motivation and guidance from your experienced mentor and technical advisor 
• Current and proper planning and budgeting information provided by management handbooks and production models.

You may visit any of our branches to appLIy for a Youth Window loan. You will need to provide:

1. Collateral of only 10% of the value of the loan, in the form of cash, an ADB or other fixed deposit or mutual fund, etc.
2. The application processing fee
3. Proof of: 

• Your contribution to the collateral required
• land tenure (i.e. deed or a lease agreement and rent receipts), and
• citizenship (i.e. national ID card, passport and driver's permit)
• Farmer's Registration card

NORTH BRANCH

87 Henry Street, Port of Spain
Tel 623-6261/5
Fax: 624-3087

EAST BRANCH

Light Pole # 917 Eastern Main Road, Sangre Grande
Tel 691-3959/3961/3718
Fax: 691-3961

TOBAGO BRANCH

CENTRAL BRANCH

SOUTH BRANCH

The Agricultural Development Bank was established in 1968 for the purpose of providing credit for the sustained development of the agri-business sector. Agricultural Development Bank Growing stronger together