The Department of Agriculture’s Agri-Negosyo (ANYO) Loan Program is a financial assistance initiative designed to support agripreneurs, cooperatives, and micro and small enterprises in the agricultural sector. Launched under the Agricultural Credit Policy Council (ACPC), the program provides zero-interest loans to help expand agri-businesses, improve food production, and boost the livelihoods of Filipino farmers and fisherfolk. It is part of the government’s strategy to enhance food security, promote rural development, and create sustainable economic opportunities in agriculture.
Rooted in the Republic Act No. 8435 or the Agriculture and Fisheries Modernization Act (AFMA), the ANYO Program aims to provide accessible financing to those who lack collateral and formal banking access. It provides access to capital for production, processing, marketing, and infrastructure development, helping agriculture-based businesses expand and sustain their operations. By bridging the credit gap, it empowers local producers to invest in modern technologies, increase productivity, and compete in the market. Understanding this program is crucial as it not only supports farmers and fisherfolk but also strengthens the country’s food supply chain, ensuring agricultural resilience and economic stability. For more information on how to apply for this program, you can read through this guide.
Program Features
As a loan facility under the DA that aims to provide financial support to individuals and businesses engaged in agricultural and fishery projects, the ANYO program is implemented through Partner Lending Conduits (PLCs), such as cooperatives, cooperative banks, and rural banks, which handle loan evaluation, approval, disbursement, and collection. It also offers the following features:
- Loanable Amount:
- Up to P300,000 for individual small farmers and fisherfolk.
- Up to P15 million for MSEs, organizations, and associations, depending on their assets.
- Interest Rate: 2% per annum (with a service fee of up to 3.5%).
- Repayment Terms: Payable based on the project’s cash flow but not exceeding five years.
- Collateral: No collateral required.
- Financing Partners: Government Financial Institutions (GFIs), NGOs, cooperative banks, rural banks, and private financial institutions.
Eligible Loan Purposes
Applicants can use the loan for the following purposes:
- Production: Funding for crops, livestock, aquaculture, and other farming activities.
- Processing: Development of value-added agri-fishery products.
- Marketing: Selling and distributing agricultural products.
- Distribution: Logistics and supply chain management for agricultural produce.
- Acquisition of Machinery/Equipment: Purchasing modern farming and fishery tools.
- Construction of Facilities: Building structures for farming, storage, or processing.
Capacity-Building Support
Aside from financial assistance, the program also provides training and capacity-building initiatives:
For Individuals:
- Business Plan Preparation
- Financial Literacy
- Credit Worthiness
- Simple Bookkeeping
For MSEs, Organizations, and Associations:
- Internal Control
- Financial Management
- Enterprise Management
Training is conducted in partnership with State Universities and Colleges (SUCs), government agencies, and development service providers.
Benefits
Applying for the program translates to numerous practical benefits that can significantly improve the financial stability and growth potential of farmers, fisherfolk, and agri-entrepreneurs. These benefits include:
- Zero-Interest Financing: Eliminates the burden of high-interest loans, allowing borrowers to maximize profits.
- Flexible Repayment Terms: Provides manageable payment schedules tailored to agricultural cycles, reducing financial stress.
- Capital for Business Expansion: Enables farmers and fisherfolk to scale up operations, invest in better equipment, and improve productivity.
- Increased Income Opportunities: Supports value-adding activities like food processing and agri-business ventures, leading to higher earnings.
- Market Competitiveness: Helps agripreneurs adopt modern technologies and best practices to meet market demands effectively.
- Reduced Dependence on Informal Lenders: Offers a safer alternative to high-interest informal loans, protecting borrowers from financial exploitation.
- Stronger Food Security: Contributes to a more stable food supply by empowering local food producers to sustain and expand production.
Who Can Apply?
The program is open to the following groups:
- Small Farmers & Fisherfolk (SFF): Must be registered under the Registry System for Basic Sectors in Agriculture (RSBSA) but has no registered agribusiness.
- Micro and Small Enterprises (MSEs): Includes sole proprietorships, partnerships, corporations, cooperatives, and associations with registered agribusiness or involved in the production, processing, marketing, and distribution of agri-fishery products.
- Farmer and Fisherfolk Organizations/Associations: Must be registered entities whose members are farmers and fisherfolk.
- Repatriated or former Overseas Filipino Workers (OFWs): OFWs who have lost their jobs and do not have a registered agribusiness but have returned home to start an agri/fishery/ livestock business.
- Young Agripreneurs: Agripreneur between 18 to 30 years old.
Eligibility Criteria
To qualify, applicants must meet the following criteria to ensure they have the capacity and credibility to manage and repay the financial assistance effectively.
- Must be actively involved in farming, fishing, or agribusiness operations.
- Should have no history of loan defaults or outstanding debts with government lending institutions.
- Must present a sustainable and profitable business proposal aligned with agricultural development goals.
- Must demonstrate the ability to generate income sufficient to meet repayment obligations.
- Must adhere to national policies, including business registration and environmental standards.
- Must be open to attending training and development activities to enhance agricultural and financial management skills.
Application Requirements
Before applying for the program, make sure to prepare the following:
For Individual Small Farmers and Fisherfolk:
- Valid government-issued ID.
- One (1) recent 1×1 photo.
- Proof of registration in the RSBSA.
- Farm Plan & Budget.
For MSEs, Organizations, and Associations:
- Letter of Intent with Project Proposal.
- Board Resolution authorizing the application and designating representatives.
- Copy of registration documents.
- Latest Audited Financial Statements with proof of filing.
- Endorsement from the DA (Regional Field Office or Agribusiness and Marketing Assistance Service).
- Proof of registration/enrollment in the Farmers and Fisherfolk Enterprise Development Info System (FFEDIS).
How to Apply
To apply, simply follow these steps:
Step 1. Sign Up Online
Visit the DA-ACPC website (https://access.acpc.gov.ph/app/views/programs/programs_self_assessment.php) to register.
Note: For individual farmers and fishers who want to apply for a loan under the ANYO program, there is no need to sign up. You can simply go directly to the nearest ACPC Partner Lending Conduit in your area and submit your loan requirements there. To see the list of Partner Lending Conduits, you may simply check the list available on the website.
Step 2. Attend Program Briefing
All applicants must participate in an orientation session.
Step 3. Business Planning Workshop
Some applicants may be required to attend training on financial literacy and enterprise management.
Step 4. Submission & Review
The Agricultural Credit Policy Council (ACPC) reviews the application and forwards it to a Partner Lending Conduit (PLC).
Step 5. Evaluation & Approval
The PLC conducts credit investigation and business assessment.
Step 6. Loan Disbursement
Once approved, the PLC releases the funds and monitors repayment.
Video: DA-ACPC Agri-Negosyo (ANYO) Loan Program
The DA Agri-Negosyo (ANYO) Loan Program provides much-needed financial support for farmers, fisherfolk, and agri-based enterprises in the Philippines. By offering accessible loans with low interest rates, the program helps individuals and businesses improve productivity and profitability in the agricultural sector. If you are interested and eligible, watch this video from ACPC and learn how you can take advantage of this opportunity and get this program to help expand your agri-business and contribute to the country’s food security and rural development.
Contact Information
For inquiries and assistance, applicants may contact:
Agricultural Credit Policy Council (ACPC)
- Address: 28th Floor, One San Miguel Avenue Building, San Miguel Avenue cor. Shaw Blvd., Ortigas Center, Pasig City, Philippines
- Phone: (632) 8634-3320 to 21 / (632) 8634-3326 / (632) 8636-3391
- Email: access@acpc.gov.ph
- Website: https://acpc.gov.ph/
- Facebook: https://facebook.com/agricreditpolicycouncil
- Helpdesk: https://helpdesk.acpc.gov.ph/