A loan that is the best financing option for your agri-project in any sub sector. Get started with the New Reality Loan today.


Up to 80% financing for any viable agricultural project with interest rate ranges from 3-5% (effective) and flexible payment options to fit revenue cycle, negotiable Moratorium and no lending limit (credit criteria applies).

Benefit from assistance with loan fees and collateral via ADB's Certificate of Security, Group life insurance coverage on the value of the investment, low interest rates, personalized service and our specialized knowledge of the sector.

A: Use these easy steps:

  • Contact our Customer Service Centres for project checklist
  • Register your application
  • Your Personal Loans Officer will do a field visit (if necessary) to complete appraisal and submit the report for decision
  • Once approved you will be given a loan offer
  • Upon acceptance of your loan offer, legal documents will be prepared for the disbursement
  • You are well on your way to implementing your project and repaying the loan

A: Collateral can be:

  • Cash collateral (fixed deposits, shares, insurance CSV)
  • Mortgage (land, vehicles and equipment)
  • Debentures on fixed and floating assets to companies
  • Guarantees (personal, corporate)
  • Certificate of Security (ADB collateral support)

A: The following documentation is necessary:

  • Two forms of I.D. (ID Card, Driver's Permit or Passport
  • Proof of address - a recent utility bill (WASA, T&TEC or TSTT) or Bank Statement
  • Farmer Registration Card (where available)
  • Cost estimates (where available)
  • Project records- income and expenses(where available)(e.g. deed, lease document, letter of offer/authorization etc.)
  • Proof of land tenure for sites (as available)

Visit any  of our conveniently located Customer Service Centres:

PORT OF SPAIN
87 Henry Street

SAN FERNANDO
8-10 Gordon Street

CHAGUANAS
29 Ramsaran Street

SANGRE GRANDE
148 Eastern Main Road, 450725

TOBAGO
13 Young Street, Scarborough, 901018

Tel: (868) 612-0163

Toll Free: 800-4ADB (4232)

Use the New Reality Loan for:

  • Business start-up, expansion or project rehabilitation
  • Working capital
  • Debt consolidation
  • Purchase of equipment, machinery, farm vehicles or technology solutions such as irrigation, greenhouse etc.
  • Construction of farm buildings
  • Infrastructural development (private roads, drainage, irrigation ponds, security etc.)

Access loan if you're involved in:

  • Primary production (crops, livestock, apiculture, fishing, aquaculture or aquaponics)
  • Agro-processing
  • Agri-support type activities (agro-shops, seedlings nurseries, tractor services etc.)
  • Marketing, Horticulture, Forestry
  • Agro-tourism
  • Agricultural Cooperative Societies
  • Rural development initiatives
  • Wood working and saw milling