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IAYE
Est. 2024 · Sierra Leone
Indigenous Agricultural
Youth Enterprise
Loan
Brochure
2026
Our promise

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.

1.2K+
Farmers financed
Le 4.8B
Disbursed to date
96%
Repayment rate
Rooted in Sierra Leone. Built for youth. Grown together.
Chapter 01

Our loan products

Seed & Season

Farming input loan

For seed, fertiliser, tools and preparing your plot for a new planting cycle.

Amount
Le 2,000 – Le 20,000
Term
3 – 6 months
Interest
8% – 12%

Harvest Boost

Working capital

For agri-processing, drying sheds, packaging or scaling market days.

Amount
Le 20,000 – Le 100,000
Term
6 – 12 months
Interest
10% – 15%

Enterprise Grow

Youth business

For registered agri-enterprises expanding into transport, cold-storage or retail.

Amount
Le 100,000 – Le 500,000
Term
12 – 24 months
Interest
12% – 18%
Overdue rule

Loans repaid on time keep their original rate. If a balance remains beyond the repayment date, the effective interest doubles for the overdue period — this keeps the fund alive for the next borrower.

Chapter 02

How to apply

  1. 1
    Submit the application
    Online at iaye.sl, at our office, or through your local loan officer.
  2. 2
    Meet a loan officer
    We verify your identity, guarantor, and understand your enterprise.
  3. 3
    Decision within 3 days
    You receive an approval or a rejection with a written reason.
  4. 4
    Disbursement & receipt
    On approval, funds are released and a signed PDF receipt is issued.
  5. 5
    Repay & grow
    Every payment prints a fresh receipt. Complete cycles unlock larger loans.
Reach us

Talk to an IAYE loan officer today

8M Edna Drive, Off Wilkinson Road, Cole Farm
abularkoh88@gmail.com
+232 79 846 587
© 2026 Indigenous Agricultural Youth Enterprise · Sierra Leone