Credit Risk Guarantee

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With over a decade of experience backing agricultural investments, NIRSAL’s enhanced Credit Risk Guarantee (CRG) gives you the confidence to lend more safely and profitably to the agricultural value chain.

Whether you’re funding a single agribusiness or building a portfolio across value chains, our CRG covers the financial exposure so your capital is secure, and your portfolio vibrant.


Do you see financing agriculture
as a risky venture

We have changed the game, and not just
with credit guarantees.

WHY CHOOSE

NIRSAL’S
CRG?

FASTER PROCESSING

From application to issuance, we streamline approvals to help you disburse quicker.

BROADER RISK COVERAGE
Enjoy 75% coverage on principal and accrued interest on every product and risk tier.
PROMPT CLAIMS SETTLEMENT
We stand by our word: valid claims are assessed and paid transparently and promptly.
DEEP INDUSTRY KNOWLEDGE
We’re not just guarantors, we know the agriculture sector, and are driving growth in the sector, helping you contribute to national priorities.
FLEXIBLE INTEREST RATES

With NIRSAL’s interest drawback scheme, commercial interest rates become flexible—especially for borrowers involved, in some way, in primary production.

OUR GUARANTEE PRODUCTS HAVE BEEN TAILORED
TO FIT DIVERSE LENDING MODELS AND RISK APPETITES

Single Obligor Guarantee

Custom risk coverage for a specific borrower or project. Ideal for high-impact investments requiring dedicated credit support in production, processing, logistics, trading, or exporting.

  • Best for: Banks, MFIs, or DFIs lending to individual agribusinesses.
  • Coverage: 75% of principal and interest.
  • Flexibility: Sector-specific risk profiles considered.

Portfolio Guarantee

Designed for institutions financing multiple agribusinesses within or across value chains. This product spreads risk across your entire exposure while ensuring coverage on performing assets.

  • Best for: Banks with SME agribusiness loan books
  • Structure: One umbrella guarantee for multiple obligors
  • Added Value: Supports scale and diversification, with potential interest
    rebates

Green Guarantee

Supports climate-resilient, environmentally sustainable agribusiness investments. Backed by an Interest Drawback Program, which rebates part of the interest paid by compliant borrowers.

  • Best for: Renewable energy, climate-smart agriculture, organic farming
  • Incentive: Access to performance-based interest rebates
  • Impact: Contributes to ESG goals and sustainable finance mandates
Where Can CRG Be Applied?

Input finance schemes for smallholder clusters

Lending to cooperatives and agribusiness SMEs

Mechanisation and post-harvest infrastructure

Agri-tech platforms extending working capital

Outgrower farming arrangements with off-takers

Climate-resilient irrigation, energy, and logistics systems

WHO CAN APPLY FOR THE NIRSAL CRG?

We work with a broad range of financiers

  • Commercial banks and microfinance banks
  • Islamic Banks and non-interest banks
  • Development finance institutions (DFIs)
  • Non-bank financial institutions
  • Agricultural leasing firms
  • Digital lenders and fintech platforms
  • Donor-funded programs seeking blended finance tools
  • The Capital Market
ACCESS NIRSAL CRG IN 6 STEPS

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Read & Download
NIRSAL CRG Brochure
NIRSAL CRG Factsheet
NIRSAL Compendium of Financing Frameworks

KEY MILESTONES IN
CREDIT RISK GUARANTEE ISSUANCE

N255 billion Covered

32+ Counterparties

N4 billion Claims Settled

READY TO LEND WITH CONFIDENCE?

Join over 32 financial institutions using NIRSAL’s Credit Risk Guarantee
to unlock Nigeria’s agricultural potential securely and profitably.