These are loans given to registered farmer groups, individual farmers, commodity traders and businessmen. The funding is based on commodity stocked in the bank’s controlled and authorized warehouse after submission of a warehouse receipt. The bank holds the crops stored in the warehouse until buyers pay for the crops they purchased.


  • Gives flexibility to farmers/ primary producers, traders, to sell their produce when the market offers a good price
  • Provides ample time and flexibility for primary producers to purchase raw materials
  • Ensures good storage facilities are used to reduce post-harvest losses
  • Provides access to credit for small and medium sized traders & producers
  • Promotes quality of crops as farmers are rewarded based on the quality of the commodity
  • Crops stored in warehouses can be used as collateral to access credit
  • Facilitates price discoveries for farmers through participation in price setting and avoid being price takers


  • Registered farmer groups/primary cooperative societies/Agricultural Marketing Cooperative Societies (AMCOS)
  • Large farmers
  • Local and international trading companies
  • Registered business legal entities i.e. Limited liability companies and other types

Application requirements:

  • Loan application letter
  • Realistic crop procurement plan and cash flow projections
  • Memorandum of Association/Articles of Association (for companies)
  • Certificate of Registration/ Certificate of Incorporation (for companies)
  • Financial statements for at least three years (for companies)
  • Crop business license
  • Board Resolution to Borrow (for companies)
  • Recent filed returns with Register of Companies (for companies)
  • Security of the loan (if pre-finance is required)
  • Certificate of maximum liability from Registrar of Cooperatives (for cooperatives)
  • Minutes of the AGM approving to apply for the loan for Cooperatives (for cooperatives)
  • Minimum crop volume to qualify for WRS finance is 50MTs

For further assistance, please locate your nearest NMB branch, email This email address is being protected from spambots. You need JavaScript enabled to view it. or call 0800 002 002