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At First City Monument Bank (FCMB), our Agribusiness and Non-Oil Export Division is committed to
driving sustainable economic growth across Nigeria. Since 2012, we have partnered with actors along
the Agricultural value chain to build a resilient, diversified economy—one value chain at a time.
Our mission is simple: To empower agribusinesses and exporters of non-oil products
with the financial confidence in realizing their dreams.
Our Vision: To lead in delivering integrated financial solutions that
accelerate agribusiness and non-oil export potential.
Our Services
FCMB offers tailored financing solutions to support every stage of the
agricultural value chain. From term loans for capital investments to input
financing for seeds and fertilizers, our products are designed for flexibility
and impact.
Equipment leasing allows access to modern machinery, while working capital loans
ensure smooth operations during planting, harvesting, and sales cycles.
Our financing options cater to both smallholders and large-scale agribusinesses,
empowering them to grow sustainably, boost productivity, and scale their
operations. With competitive rates and farmer-friendly terms, we’re here to turn
your agricultural ambitions into long-term success.In 2024, our
loans to the Agribusiness sector contributed to over 12% of the
bank’s total loan portfolio with over 23% directed toward Small and Medium
Enterprises (SMEs).
agricultural value chain. From term loans for capital investments to input
financing for seeds and fertilizers, our products are designed for flexibility
and impact.
Equipment leasing allows access to modern machinery, while working capital loans
ensure smooth operations during planting, harvesting, and sales cycles.
Our financing options cater to both smallholders and large-scale agribusinesses,
empowering them to grow sustainably, boost productivity, and scale their
operations. With competitive rates and farmer-friendly terms, we’re here to turn
your agricultural ambitions into long-term success.In 2024, our
loans to the Agribusiness sector contributed to over 12% of the
bank’s total loan portfolio with over 23% directed toward Small and Medium
Enterprises (SMEs).
Our offerings:
- Term Loans
- Input Financing
- Equipment Leasing
- Working Capital Loans
We support businesses involved in non-oil exports with tailored financial
solutions to boost global competitiveness. We have enabled export transactions,
strategically contributing to the diversification and growth of the national
Gross Domestic Product (GDP).
Our pre-shipment and post-shipment financing help exporters manage production,
logistics, and payment cycles efficiently. We also provide credit insurance and
payment guarantees to reduce the risks of international trade.
Whether you're exporting agricultural commodities or manufactured goods, we
ensure timely access to funds, minimize cash flow gaps, and simplify trade
operations.
Our dedicated export finance team offers advisory support to help clients meet
international standards, navigate compliance, and maximize value in global
markets.
solutions to boost global competitiveness. We have enabled export transactions,
strategically contributing to the diversification and growth of the national
Gross Domestic Product (GDP).
Our pre-shipment and post-shipment financing help exporters manage production,
logistics, and payment cycles efficiently. We also provide credit insurance and
payment guarantees to reduce the risks of international trade.
Whether you're exporting agricultural commodities or manufactured goods, we
ensure timely access to funds, minimize cash flow gaps, and simplify trade
operations.
Our dedicated export finance team offers advisory support to help clients meet
international standards, navigate compliance, and maximize value in global
markets.
Our offerings:
- Pre-shipment Finance
- Post-shipment Finance
- Export Readiness
Our trade facilitation services simplify access to domestic
international markets. We offer warehouse receipt systems (WRS) that allow
farmers to store commodities securely and access credit using stored goods
as collateral.
Our advisory services help businesses achieve export readiness through
compliance guidance, packaging support, and connection to global buyers.
With expertise in logistics, quality standards, and trade documentation, we
reduce bottlenecks and enhance efficiency.
Whether you're entering new markets or scaling existing operations, we provide
the insights and tools needed to trade smarter and more competitively.
international markets. We offer warehouse receipt systems (WRS) that allow
farmers to store commodities securely and access credit using stored goods
as collateral.
Our advisory services help businesses achieve export readiness through
compliance guidance, packaging support, and connection to global buyers.
With expertise in logistics, quality standards, and trade documentation, we
reduce bottlenecks and enhance efficiency.
Whether you're entering new markets or scaling existing operations, we provide
the insights and tools needed to trade smarter and more competitively.
Our Offerings:
- Warehouse Receipt Systems
- Agro-commodity Financing
- Export Readiness
- Compliance Support.
Our Agency Banking model brings financial services directly to rural
communities, particularly smallholder farmers. Through trusted local agents
equipped with secure digital tools, customers can access essential banking
services like deposits, withdrawals, transfers, and loan disbursements—without
traveling long distances. This initiative bridges the financial inclusion gap,
supports rural economies, and helps build credit histories for the previously
unbanked. By banking the unbanked, we create a more inclusive financial system
where everyone, regardless of location, has the opportunity to participate in
economic growth and access life-changing financial products and services.
communities, particularly smallholder farmers. Through trusted local agents
equipped with secure digital tools, customers can access essential banking
services like deposits, withdrawals, transfers, and loan disbursements—without
traveling long distances. This initiative bridges the financial inclusion gap,
supports rural economies, and helps build credit histories for the previously
unbanked. By banking the unbanked, we create a more inclusive financial system
where everyone, regardless of location, has the opportunity to participate in
economic growth and access life-changing financial products and services.
Our offerings:
- Banking the unbanked—bringing financial services to rural
smallholder
farmers. - BAAS – Banking As A Service.
- Aggregator Finance Model.
We help businesses protect against financial and operational risks with a range
of tools tailored to trade and agribusiness. Our secure payment options, such as
letters of credit and bank guarantees, ensure trust and reliability in
transactions. We also offer foreign exchange (FX) hedging to safeguard against
currency volatility.
These tools are essential for exporters and importers operating in dynamic
markets. By managing risks proactively, our clients can focus on growth with
greater confidence, knowing their operations are shielded from unexpected
disruptions or financial losses.
of tools tailored to trade and agribusiness. Our secure payment options, such as
letters of credit and bank guarantees, ensure trust and reliability in
transactions. We also offer foreign exchange (FX) hedging to safeguard against
currency volatility.
These tools are essential for exporters and importers operating in dynamic
markets. By managing risks proactively, our clients can focus on growth with
greater confidence, knowing their operations are shielded from unexpected
disruptions or financial losses.
Our Offerings:
- Secure Payment Solutions
- Trade Instruments
- FX Hedging
We invest in people, not just projects. Our capacity-building
programs offer hands-on training and technical assistance to farmers,
agribusinesses, and exporters.
We focus on areas like modern farming practices, agribusiness
management, sustainability, and financial literacy.
Training is delivered through workshops, digital platforms,
and partnerships with experts and institutions. By building knowledge
and practical skills, we help our clients improve productivity, adapt to
changing
environments, and create more resilient, profitable businesses. Capacity
building is at the heart of our mission to drive long-term impact in agriculture
and rural development.
programs offer hands-on training and technical assistance to farmers,
agribusinesses, and exporters.
We focus on areas like modern farming practices, agribusiness
management, sustainability, and financial literacy.
Training is delivered through workshops, digital platforms,
and partnerships with experts and institutions. By building knowledge
and practical skills, we help our clients improve productivity, adapt to
changing
environments, and create more resilient, profitable businesses. Capacity
building is at the heart of our mission to drive long-term impact in agriculture
and rural development.
Our Offerings:
- Technical assistance and training to boost productivity and
sustainability
We champion agricultural innovation through targeted support for agritech
startups. Our programs include hackathons, seed funding, and incubation services
for promising ideas that solve real-world challenges in farming and food
systems.
Startups receive technical mentorship, access to networks, and growth capital to
accelerate their development. We focus on solutions in precision agriculture,
supply chain efficiency and sustainability.
Our support helps turn bold ideas into impactful agritech ventures.
startups. Our programs include hackathons, seed funding, and incubation services
for promising ideas that solve real-world challenges in farming and food
systems.
Startups receive technical mentorship, access to networks, and growth capital to
accelerate their development. We focus on solutions in precision agriculture,
supply chain efficiency and sustainability.
Our support helps turn bold ideas into impactful agritech ventures.
Our Offerings:
- Incubation support for promising agritech startups.
- Hackathons
- Grants
Who We Serve
We work with a diverse ecosystem of players in the agribusiness and non-oil export space:
- Farmers & Agripreneurs
- Agro-Processors & Manufacturers
- Exporters & Commodity Traders
- Agritech Startups
- SMEs and Large Corporates
- Input/service providers
Our Partners
International Partners
Local Partners
Our Success Stories
PSALTRY INTERNATIONAL
GRASSROOT BANKING
TOMATO JOS
THE BABBAN GONA FRANCHISE MODEL
WUSHISHI FARMERS
Ready to Scale Your Agribusiness or Export Venture?
Email Us: Agribusiness@fcmb.com
Visit our regional offices in Lagos, Abuja, Ibadan, and Enugu — or any FCMB
branch
nationwide.