We’ve been working alongside farmers, producers and exporters since 2012, helping to build a stronger, more diverse economy across Nigeria. Our Agribusiness and Non-Oil Export team is here to support you at every stage.

Our mission is to give agribusinesses and exporters the tools and support they need to grow with confidence.

We want to make it easier for you to reach your goals, whether you’re growing your business or expanding into new markets.

Our Services

We know every farm and agribusiness is different, so our financing options are built to support you at every stage. Whether you need a loan for new equipment or help with seeds and fertilizers, our solutions are flexible and designed to help you grow.

You can lease the equipment you need to keep things running smoothly, or get working capital to help with planting, harvesting, and sales. Whether you’re running a small farm or a larger agribusiness, our support is here to help you grow, boost productivity, and plan for the future. With fair rates and terms that work for you, we’re here to help you reach your goals.

In 2024, more than 12% of our loans supported agribusinesses, with over 23% going to small and medium-sized businesses like yours.

Our offerings:
  • Term Loans
  • Input Financing
  • Equipment Leasing
  • Working Capital Loans

We work with businesses in non-oil exports to help them grow and compete globally. By supporting export transactions, we’re proud to play a part in building a stronger, more diverse economy.

Our pre-shipment and post-shipment finance options are here to help you manage production, logistics and payments with confidence. We also offer credit insurance and payment guarantees, so you can trade internationally with less worry.

Whether you’re exporting crops or finished products, we make sure you have access to funds when you need them and help keep your cash flow steady. We’re here to make trade simpler for you.

Our export finance team is here to guide you through meeting international standards, staying compliant, and getting the most value from global markets.

Our offerings:
  • Pre-shipment Finance
  • Post-shipment Finance
  • Export Readiness

We’re here to make trading easier, whether you’re looking at new markets or growing your current business. Our warehouse receipt systems help farmers store their goods safely and unlock credit when they need it. We also offer practical advice on getting your business ready to export, from meeting compliance requirements to improving packaging and connecting you with buyers around the world. With our support on logistics, quality and paperwork, you can focus on moving your business forward.

Our Offerings:
  • Warehouse Receipt Systems
  • Agro-commodity Financing
  • Export Readiness
  • Compliance Support.

Our agency banking service makes it easier for people in rural communities, especially smallholder farmers, to manage their money close to home. With the help of trusted local agents and secure digital tools, you can deposit, withdraw, transfer funds, or get a loan without needing to travel far. It’s a simple way to bring essential banking services to more people, helping families and businesses grow, wherever they are.

Our Offerings:
  • Making banking easier for rural smallholder farmers.
  • BAAS – Banking As A Service.
  • Aggregator Finance Model.

Running a business comes with its share of risks, but you don’t have to face them alone. We offer practical tools to help you manage the ups and downs of trade and agribusiness, from secure payment options like letters of credit and bank guarantees, to FX hedging that helps steady your finances when currencies shift. With these solutions, you can focus on growing your business, knowing we’re here to help you handle whatever comes your way.

Our Offerings:
  • Secure Payment Solutions
  • Trade Instruments
  • FX Hedging

We believe real progress starts with people. That’s why we work alongside farmers, agribusinesses, and exporters to share practical skills and knowledge that make a difference. Whether it’s learning new farming techniques, managing a business, or building financial confidence, we’re here to help. Our training happens in workshops, online, and through partnerships with experts, so you can learn in the way that suits you best. By building skills together, we help you grow a stronger, more resilient business—ready for whatever comes next.

Our Offerings:
  • Practical support and training to help you grow and build for the future

We’re here to help agritech startups bring their ideas to life. From hackathons and seed funding to hands-on mentorship and incubation, we support solutions that make farming and food systems work better for everyone. Whether it’s precision agriculture or building a more sustainable supply chain, we connect founders with the tools, networks and funding they need to grow.

Our Offerings:
  • Incubation support for promising agritech startups.
  • Hackathons
  • Grants

Who We Serve

We support a wide range of people and businesses across agribusiness and non-oil exports.

  • Farmers & Agripreneurs
  • Agro-Processors & Manufacturers
  • Exporters & Commodity Traders
  • Agritech Startups
  • SMEs and Large Corporates
  • Input/service providers

Thinking about growing your agribusiness or taking your export plans further?
Email Us: Agribusiness@fcmb.com

You can visit us at our regional offices in Lagos, Abuja, Ibadan and Enugu, or drop by any FCMB branch across the country.