Product Terms and Conditions

ZADT does not provide grants. Financial products that are offered in the form of Co-Investments and Equity are Working Capital and Capital Expenditure. These investments are repaid according to terms and conditions that will be agreed between ZADT as the Investor and the Agribusiness/SME as the Investee.  

Working Capital

Investments in working capital are made to bridge gaps between collection of accounts receivable and payments of accounts payable or in a seasonal business to cover periods of low cashflow activity. Eligible Agribusinesses/SMEs are those engaged in commercially viable and sustainable agricultural activities benefitting smallholder farmers. This includes businesses which promote clean energy technology adaptation and those promoting adoption of climate smart agribusiness practices.

There are no set Investment limits as this will depend on specific project requirements as presented in the business plan. Investments in Working Capital are for a period of up to twenty-four (24) months. Consideration is however given to the gestation period of the funded commodity.


Capital Expenditure

Investments in capital expenditure are made to enable agribusinesses to acquire, upgrade and maintain physical assets such as farm or industrial machinery, equipment, property and/or industrial buildings. Eligible Agribusinesses/SMEs are the same as those indicated for working capital investment with an investment horizon of up to thirty-six (36) months.