Agricultural Production Loan
Up to 1 year
per production cycle
Agri-Agra Loans
Financing Built to Grow Philippine Agriculture
Veterans Bank's Agri-Agra Loans give farmers, fisherfolk, agribusinesses, and agrarian reform beneficiaries the financing to fund production, equipment, and expansion — in support of the countryside economy.
Why borrow with us?
Financing built around planting, harvest, and production cycles.
Built for the agricultural sector
Loan terms structured around planting, harvest, and production cycles — not a one-size-fits-all business loan.
Nationwide branch support
Apply and manage your loan through PVB branches and our Relationship Officers across the Philippines, including agricultural communities.
Supports the Agri-Agra Reform Credit Act
Structured in line with the Agri-Agra Reform Credit Act (Republic Act No. 10000), which directs Philippine banks to allocate credit for agriculture, fisheries, and agrarian reform beneficiaries.
Choose Your Agri-Agra Loan
Compare our two facilities and choose the one that fits your production cycle or agribusiness plans.
Agribusiness Term Loan
Up to 10 years
for capital expenditure
Loan terms, rates, and features are indicative and subject to credit evaluation and Bangko Sentral ng Pilipinas regulations. Please confirm current terms with your Relationship Officer.
Loan pricing: How your facility is priced
Your rate depends on your credit standing, collateral, and the purpose and tenor of your loan — confirmed after evaluation by our Relationship Officer.
FACILITY | TENOR | TYPICAL LOAN SIZE | PURPOSE |
Agricultural Production Loan | Up to 1 year | Based on production cost and cropping/farming plan | Seeds, fertilizer, labor, and other production inputs |
Agribusiness Term Loan | Up to 10 years | Based on project cost and repayment capacity | Farm equipment, irrigation, livestock/poultry facilities, agri-processing |
Loan size and terms are assessed per borrower based on farm size, production plan, and collateral, if any. Preferential terms may apply to agrarian reform beneficiaries (ARBs) under the Agri-Agra Reform Credit Act. Ask your Relationship Officer for a facility structured to your farm or agribusiness.
Loan fees & charges
A representative schedule of the fees that may apply to your Agri-Agra Loan. The official schedule is confirmed upon approval.
FEE / CHARGE | AMOUNT | REMARKS |
Loan processing fee | 1% of approved amount, min. ₱500 | Deducted from loan proceeds upon release |
|---|---|---|
Appraisal / farm inspection fee | ₱2,000 | Per site inspected, if applicable |
Credit investigation fee | ₱500 | Per borrower |
Documentary stamp tax | Per BIR schedule | On the loan agreement and promissory note |
Notarial fee | ₱500 | Per notarized document |
Collateral registration fee | Per Registry of Deeds/LTO schedule | For secured facilities |
Crop / livestock insurance premium (PCIC) | Based on coverage | Required for eligible production loans |
Late payment penalty | 2% / mo. | Applied on overdue amortization |
Pre-termination fee | 2% of balance | If settled before maturity |
Loan restructuring fee | ₱500 | Per approved restructuring, including calamity-related restructuring |
Certificate of full payment | ₱500 | Per copy, upon full settlement |
Bank certification / statement of account | ₱100 | Per copy |
Fees shown are representative and may vary by facility, collateral, and borrower profile. Please confirm the official schedule with your Relationship Officer.
Loan Requirements:
Who can apply
Farmers, fisherfolk, and agricultural producers
Agrarian reform beneficiaries (ARBs) and their organizations
Farmers' cooperatives, associations, and agribusiness enterprises
Represented by the borrower or authorized signatories
Documents to prepare
Proof of farm ownership, tenancy, or Certificate of Land Ownership Award (CLOA) for ARBs
Barangay or Municipal Agriculture Office certification of farm/production plan
DTI/SEC/CDA registration (for agribusinesses, cooperatives, and associations)
Valid government-issued ID of the borrower or authorized signatories
How to apply: Finance your next planting season in a few simple steps
1
Visit your nearest PVB branch
Use our Branch & ATM locator to find a branch near you. No appointment required for account opening.
2
Bring your requirements
Present your valid ID(s), TIN, and the initial deposit for your chosen savings account.
3
Fill out the account forms
Our branch staff will guide you through the Account Opening Form and Signature Card, and help you choose passbook and/or ATM.
4
Fund and activate your account
Make your initial deposit and receive your passbook and/or ATM card. You're ready to save and enroll in digital banking.
Downloadable forms
Download and accomplish these forms before meeting your Relationship Officer. All files are in PDF format.
PDF
Specimen Signature Card
Signature verification · 1 pages
PDF
DTI/SEC/CDA Registration Checklist
Business registration documents · 1 pages
PDF
Agri-Agra Loan Application Form
Farmers, fisherfolk, and agribusinesses · 1 pages
PDF
Farm/Production Plan Template
Cropping or production schedule · 1 pages
PDF
Land Ownership / Tenancy / CLOA Documentation Checklist
Proof of farm ownership or ARB status · 1 pages
PDF
PCIC Crop/Livestock Insurance Enrollment Form
For eligible production loans · 1 pages
Frequently asked questions
Farmers, fisherfolk, agricultural producers, agrarian reform beneficiaries, and agribusiness enterprises can apply, in line with the Agri-Agra Reform Credit Act (RA 10000), represented by the borrower or authorized signatories.
A Production Loan provides seasonal financing for planting, cultivation, or harvest and is repaid at harvest or upon sale of produce, while an Agribusiness Term Loan funds capital expenditure such as equipment, irrigation, and agri-processing facilities over a longer term.
Preferential terms may apply to agrarian reform beneficiaries (ARBs) and their organizations under the Agri-Agra Reform Credit Act (RA 10000).
Agri-Agra loans may be secured by farmland, equipment, or other eligible collateral, subject to the Bank's collateral requirements and appraisal.
Yes. Early settlement is allowed, subject to a pre-termination fee of 2% of the outstanding balance.
The Bank may consider calamity-related restructuring, subject to applicable requirements and the Bank's policies. Crop and livestock insurance may also apply to eligible production loans.
Terms & conditions
Agri-Agra Loans are approved subject to the Bank's credit evaluation and Know-Your-Customer (KYC) requirements, and submission of complete farm, production, and financial documents. The Bank reserves the right to approve, decline, or set conditions on any application in accordance with its policies and applicable regulations, including the Agri-Agra Reform Credit Act (RA 10000).
Funds are released per the approved facility, and repayment is made at harvest, upon sale of produce, or through amortization based on the loan structure and term agreed with the Bank.
Interest is set based on prevailing market rates and the borrower's credit profile, subject to applicable taxes and BSP regulations.
Applicable fees and charges, including processing, appraisal, and documentary stamp taxes, are set out in the Bank's official schedule and confirmed upon approval.
Late payments are subject to penalties, and the Bank may take collection or foreclosure action on defaulted loans in accordance with its policies and applicable law.
The Bank handles your personal and corporate information in accordance with the Data Privacy Act and the Bank's privacy policy.
Financing Built for Your Next Harvest
Talk to a Relationship Officer about an Agri-Agra Loan sized for your farm or agribusiness.