The target market for the ZADT Fund are financial service providers which include banking institutions, microfinance banks, microfinance institutions and other registered financial institutions through which the funds are channeled to intended ZADT Fund Beneficiaries.

ZADT Fund beneficiaries are high-potential VCAs that demonstrate clear commercial linkages and benefits to SHFs in eligible value chains. These include Agro-dealers, Traders, Agri-Processors, Agri-Contracting Corporates, Agri-Input, Equipment, Technology Manufacturers and Distributors.

Qualifying SHFs engaged in commercially viable and sustainable agricultural activities in eligible value chains.


ZADT Focus is on financial inclusion and gender mainstreaming in its product offering, promoting women, youth and green growth initiatives.

Requirements of the Terms and conditions for the ZADT Products are as follows;