The process of applying for a loan under the ZADT funding is determined by the respective on-lending financial institutions and the terms and conditions may differ from one institution to another.
However the following step by step process gives a general guideline for applicants to the on-lending banks. This applies to individual or corporate applicants.
- Determine your financing requirements by carrying out a strategic and financial analysis of your business and present the information in a logical structure or in a business plan format
- Prepare or seek assistance in the preparation of detailed historical financial records and future financial projections for your business
- Request a ZADT application form from one of the designated financial institutions and complete it in triplicate
- Submit your application forms together with the business plan write up that demonstrates the business linkage and benefits accruing to linked small holder farmers as well as the financial projections.
A strong and demonstrable link and benefits to smallholder farmers is necessary before an application can be considered for funding. Successful loan applicants will therefore be those who demonstrate a commitment to their business as evidenced by the extent of benefits accruing to smallholder farmers and the risk mitigatory measures in place.