How to Apply for a Loan

We’re a different kind of financial institution: one driven by local experts who are focused exclusively on agriculture. We don’t just invest financial capital; we invest in human capital.

Is Root Capital a Good Fit For You?

  • Do you operate in one or more of our focus industries?
  • Is your business legally established in one of our lending countries (see sidebar) within Africa, Latin America, or Southeast Asia?

We partner with enterprises that can demonstrate:

Proven Results. You have a profitable business model with at least three years in operation and annual revenue of at least $250,000.

Established Relationships. You maintain strong commercial relationships with established buyers in global or domestic markets.

Experienced Management. Your company’s leadership team has a demonstrated track record of success.

Positive Impact. Your commercial operations improve the lives of smallholder farmers or rural communities and promote sustainable environmental practices.

Understanding the Application Process

  • Step 1: Introduce Yourself
    Our quick credit inquiry form allows us to determine whether your business is eligible to apply for a loan. Within a week, a representative from Root Capital will contact you to inform you of your status and learn more about your financing needs.
  • Step 2: Credit Application
    After an initial screening and consultation, eligible businesses will be asked to complete a credit application and provide supporting information.
  • Step 3: Business Evaluation
    After evaluating your credit application, a representative will visit your business to discuss financing options and loan terms that meet the unique needs of your organization.
  • Step 4: Credit Decision
    A relationship manager will notify you of our credit committee's decision, generally within 4 to 8 weeks of receiving a complete credit application.
  • Step 5: Documentation, Loan Closing, and Disbursement
    Once the loan has been approved, your loan officer will guide you through the loan documentation and closing process. When the terms agreed upon in the loan have been fulfilled, it will be ready for disbursement.

To join our global network of agricultural enterprises, apply for a loan today.