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
We stand by our word: valid claims are assessed and paid transparently and promptly.
Our CRG enables you to co-invest alongside public capital, unlocking agribusiness opportunities and enhancing portfolio diversification.
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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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.
To get started, send an email to crgopspm[@]nirsal.com