Meeting the working capital needs of Africa’s agricultural enterprises.

With rapid population growth and urbanization leading to unprecedented demand for food, Africa’s agriculture sector is struggling to access the capital needed for sustainable growth. LAFCo provides loans to agricultural SMEs throughout sub-Saharan Africa that work directly with smallholder farmers, with a primary focus on businesses that advance local and regional food security. LAFCo endeavors to serve the day-to-day working capital needs of agricultural businesses, particularly those operating in staple food crop value chains.


  • Improve rural livelihoods
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  • Enhance food and nutritional security
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  • Catalyze a financial market to benefit smallholder farmers

Which businesses can qualify for a loan?

LAFCo lends to agricultural SMEs that work directly with smallholder farmers, and which have constrained access to working capital. Eligible LAFCo borrowers could include the following:

Borrower Types

  • Agro-dealers or input providers
  • Processors
  • Traders, distributors, exporters
  • Logistics providers
  • Other agricultural businesses

Value Chains

  • Primary focus on agricultural SMEs working in food crop value chains, advancing local food security.
  • Secondary focus on SMEs working in cash crops for overseas export market.

LAFCo Target Countries

  • Benin
  • Burkina Faso
  • The Democratic Republic of Congo
  • Côte d’Ivoire
  • Ghana
  • Kenya
  • Liberia
  • Mali
  • Rwanda
  • Senegal
  • Tanzania
  • Togo
  • Uganda
  • Zambia

This list will continue to grow as LAFCo explores opportunities to extend financing in other countries in Sub Saharan Africa. Prospective countries include Burundi, Cameroon, Madagascar, Malawi and Sierra Leone.

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News & Noteworthy

  • 29 February 2024

    LAFCO Impact Principles Disclosure Statement 2024

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  • 12 February 2024

    LAFCo Annual Impact Report 2022

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  • 23 May 2023

    LAFCo Impact Principles Verification Report 2023

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