How Farmers Can Access Finance Through FCMB-Mastercard AgroPass
Smallholder farmers and agribusiness operators in Nigeria have a new digital opportunity to connect with potential buyers, agricultural input suppliers, lenders and other essential service providers following the launch of AgroPass by First City Monument Bank (FCMB) and Mastercard.
Launched in Lagos on October 15, 2026, AgroPass is a digital platform designed to improve farmers’ access to financing, agricultural services and market opportunities. The initiative combines Mastercard’s digital technology with FCMB’s banking network to address challenges that often prevent small-scale farmers from expanding their businesses.
What Farmers Can Gain From AgroPass
The platform is intended to connect farmers with the services and commercial relationships they need to improve productivity and grow their agricultural enterprises.
Potential benefits include:
- Access to financing: Connections to lenders and financial services that may help eligible farmers meet their business needs.
- Market opportunities: Links to buyers, processors, distributors and other participants in the agricultural value chain.
- Agricultural inputs: Improved connections with suppliers of seeds, fertilisers and other farming essentials.
- Business connections: Opportunities to engage with agribusinesses and service providers.
- Digital tools: Support for better business management, transaction visibility and coordination across the agricultural supply chain.
AgroPass is intended to strengthen the wider agricultural ecosystem rather than provide loans alone. However, access to finance is not guaranteed, and individual lending decisions will depend on the relevant provider’s requirements.
Who Can Benefit?
The platform is designed primarily for smallholder farmers across Nigeria. Other potential participants in the agricultural value chain include:
- Agricultural input suppliers and seed companies.
- Produce buyers and commodity traders.
- Processors and distributors.
- Agribusinesses and agricultural service providers.
- Lenders and other financial institutions.
By bringing these participants into a connected digital ecosystem, AgroPass aims to make it easier for farmers to find services, establish business relationships and explore opportunities to expand their operations.
How to Access AgroPass
Farmers and agribusiness operators interested in the initiative should contact FCMB to enquire about access to AgroPass, registration procedures and available services.
- Contact FCMB: Visit the bank’s official website or a nearby branch to enquire about the AgroPass platform.
- Confirm registration requirements: Ask about the onboarding process, eligibility criteria and any documentation required.
- Explore available services: Confirm which participating lenders, buyers, suppliers and agricultural service providers are accessible through the platform.
- Review financing terms: If seeking a loan, check the applicable interest rates, repayment conditions and eligibility requirements before accepting an offer.
Official FCMB website: https://www.fcmb.com/
Agribusiness enquiries: Agribusiness@fcmb.com
The launch announcement did not specify a public registration link, application deadline, fixed grant amount or guaranteed loan package for AgroPass users. Interested farmers should therefore contact FCMB directly for confirmed onboarding instructions.
Why the Initiative Matters
FCMB reported that it provided more than ₦364.6 billion in agricultural financing in 2025, supporting over 196,000 smallholder farmers nationwide. Nearly half of those beneficiaries were women and young people, according to the bank.
Through AgroPass, FCMB and Mastercard aim to build on these efforts by connecting farmers not only to finance but also to buyers, suppliers, technology and services that can support more sustainable agricultural businesses.
For Nigerian farmers seeking stronger market connections and improved access to agricultural services, AgroPass represents a platform worth exploring as its registration and service-access arrangements become available.
