Nationwide

LANDBANK-funded

▪ Small Farmers
Owner cultivators, tenants, leaseholders, tilling not more than 5 hectares of agricultural land
▪ Small Fishers
• Coastal Fishermen
• Fishpond operators
▪ Micro and Small Enterprises
With asset size of not more than P3 million
▪ Small Enterprises
With asset size of more than P3 million but not more than P15 million

▪ For farmers, fishers and micro enterprises (MEs)
• Have no existing credit with any formal lending institutions
• With at least one (1) year track record as a farmer, fisher or micro
enterprise, and good moral character as certified by the Municipal
Agriculture Office (MAO), Barangay Chairperson or religious leader in
the area
• With viable project
• With marketable surplus of the project or other confirmed sources of
repayment
▪ For micro and small enterprises (MSMEs) – registered with
the DTI
• No adverse findings on the character
• No adverse findings on the principals (key officers)
• With well-defined source of repayment
• With at least three (3) year profitable track record (except for start-up)
• Familiarity in the proposed project can be established (for start-up)
• Debt Service cover of at least 1.0x
• With positive/favorable outlook in the industry
• Meets applicable D/E Ratio
- 8:15 (for start-up and trading business)
- 80:20 (for other business)

▪ Agricultural crop, livestock and fishery production
▪ Agri-enterprise and other livelihood projects

The EMBRACE Lending Program is a LANDBANK initiative designed to promote financial inclusion in unbanked and underserved communities. It provides accessible financing to small farmers, fishers, and Micro and Small Enterprises (MSMEs) in remote areas, helping them expand livelihoods, increase productivity, and support local economic growth.

The EMBRACE Lending Program is open to qualified borrowers nationwide.

• Small Farmers – owner-cultivators, tenants, or leaseholders tilling not more than 5 hectares of agricultural land

• Small Fishers – individuals engaged in small-scale fishing, aquaculture, fishpond operations, or seaweed and marine production

• Micro Enterprises – with total asset of P3 million or less

• Small Enterprises – with total asset above P3 million but not exceeding P15 million

• Agricultural crop, livestock, and fishery production

• Agri-enterprises and other livelihood projects

• For crop, livestock, and fishery production only: Minimum loan of P25,000.00

• For all types of projects: Up to 80% of the total project cost with a maximum loan of P500,000.00 per borrower