Small Farmers
Owner cultivators, tenants, leaseholders, tilling not more than 5 hectares of agricultural land

Small Fishers
• Coastal Fishermen
• Fishpond operator

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

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

▪ Up to one (1) year
▪ Via 180-day Promissory Note

For farmers, fishers and micro enterprise (MEs)
• Have no existing credit with any formal lending institutions
• With at least one (1) year track record as 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)

▪ Agri-enterprise and other livelihood projects
• Up to 80% of the total project cost
• Maximum loanable amount of P500,000 per borrower
▪ For crop, livestock and fishery production only
Minimum loan of P25,000 per borrower

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