Tea Loan

Designed for individual tea farmers to help them meet medium and long term financial needs like paying university fees, increasing acreage for tea farming, buying farm machinery among others.


  • Flexible repayment period
  • Up to Ksh. 500,000 given without collateral
  • The more the tea produced, the higher the amount qualified
  • Competitive interest rates of as low as 1% pm reducing balance
  • Quick processing and approval
  • No guarantors required
  • Loan buy-offs available on request
  • Crop insurance available at a discounted rate

Tea Advance

Short term loan availed to tea farmers for tea picking and buying fertilizers and farm chemicals.


  • Flexible repayment period of up to 3 months
  • Quick loan processing
  • No tangible security required
  • No guarantor required

Tea Bonus Advance

This is short term loan availed to tea farmers one month to bonus payment that it shall be cleared once paid.


  • This supports farmers in tea picking and also meeting emergency financial needs like medical bills
  • Tea farmers qualify for a tea-bonus advance even when they have existing loan facilities with the Sacco*
  • No collateral security required; farmers only provide a letter of undertaking from the factory
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Calculate your monthly loan repayments

The approximate monthly repayment figure is indicative and is not meant to be final. Amica reserves the right to determine the final interest rate and amount that can be borrowed.