Fair capital for the hands that feed the nation.
We finance young Sierra Leonean farmers, agri-processors, and rural entrepreneurs with transparent micro-loans, honest interest, and a repayment ledger you can trust.
Youth-led agriculture, financed with dignity.
IAYE was founded to close the capital gap for young Sierra Leoneans working the land. We combine simple micro-loan products with a modern, auditable management platform so every leone is tracked, every receipt is printable, and every borrower knows exactly where they stand.
A complete micro-lending platform for a modern cooperative.
Register borrowers with personal, financial and guarantor information.
Apply, review, approve or reject with reasons — full workflow.
Cash, transfer, mobile money and cheque — every payment prints a receipt.
Automatic interest, overdue penalty, and running balance on every loan.
Admin, Loan Officer and Cashier — every action is logged.
Ask questions about your portfolio in plain English.
Four honest steps from application to harvest.
- 01Apply
Fill the form or visit an officer with your ID and guarantor.
- 02Review
A loan officer reviews and calls you within three days.
- 03Disburse
Approved capital is released with a printed schedule.
- 04Repay & grow
Every payment issues a receipt; on-time repayers unlock more.
"The Le 5,000 loan bought seed and fertiliser for my cassava plot. Six months later I repaid every leone — and my second loan built a drying shed."
Real capital. Real farms. Real returns.
Every loan we issue is documented, tracked, and reported. Our repayment discipline keeps the fund alive for the next borrower — that's how a cooperative should work.
- Overdue penalty rule doubles the effective rate — encourages on-time repayment.
- Every payment produces a branded PDF receipt.
- Row-level security and audit logs on every table.
- Excel and PDF reports for regulators and cooperative meetings.
Start your loan application
Tell us about you and the enterprise you're building. A loan officer will review your application and reach out within three working days with a decision and next steps.
- No fee to apply, no obligation.
- Bring one form of ID and one guarantor to your officer meeting.
- Decisions are always accompanied by a written reason.
Frequently asked questions
- Who can apply for an IAYE agricultural loan?
- Young farmers, agri-processors and agri-business owners operating in Sierra Leone. You need a valid ID, a guarantor, and a description of the farm or enterprise the loan will support.
- How much can I borrow and in what currency?
- Loans are issued in Sierra Leonean Leones (SLE). Loan sizes are set case by case based on your enterprise, repayment capacity and guarantor, starting from small first-cycle loans that grow with your repayment history.
- How is the interest rate decided?
- Interest is agreed with your loan officer and recorded on each individual loan, because different agricultural loan products carry different rates. The exact rate and total repayable amount appear on your loan record and on every receipt.
- What happens if I repay late?
- Overdue loans attract an additional interest charge under the terms agreed at approval. Your outstanding balance, principal and interest are always visible in your customer portal so there are no surprises.
- How do I apply and how long does approval take?
- Apply online from the Apply section of this page or from your customer portal. A loan officer reviews the application, may contact you for documents, and the decision is recorded in your portal. Most reviews are completed within a few working days.
- How do I track my loan and repayments?
- Sign in and open My Loans to see your approved amount, interest, payments made, outstanding balance and upcoming due dates, with printable receipts for every repayment.
Questions? We'd love to hear from you.
Whether you're a farmer, a cooperative, a partner or a regulator — send us a note and the right person at IAYE will reply.
Ready to grow with us?
Sign in to the management portal or reach out to your local IAYE loan officer to apply.