Questions are easier when the answers are clear.

F.O.D. presents Farmer Connect for eligible Lead Farmers, Farmer-Based Organisations and VSLAs; the Salary-Backed Loan for eligible salaried employees; and Business Loans for business owners, including clearing agents and other entrepreneurs.

Farmer Connect may fund produce aggregation, purchases from group members, and pre-supply costs such as transport, storage and packaging.

The product is intended for short-term personal, educational, medical and household needs, subject to assessment and approval.

Business Loans provide short-term working capital for trade transactions, contract execution, cash collateral requirements, inventory purchases and other short-term operational obligations.

Applicants should be a Lead Farmer, VSLA or FBO registered on Pukpara, have a formal supply relationship with a partner factory, and maintain at least a three-month savings record on the platform.

The published criteria cover permanent staff of eligible banks, corporate organisations, government agencies and Tier 1 or Tier 2 financial institutions, subject to employment verification and affordability assessment.

The product is designed for business owners, including clearing agents and other entrepreneurs. Facility terms are determined through credit assessment, repayment capacity and the nature of the financing requirement.

No. Every facility is subject to KYC and AML checks, eligibility verification, affordability and credit assessment, documentation and final approval.

The available source identifies Pukpara registration and savings history, evidence of Lead Farmer, VSLA or FBO status, and a partner-factory supply agreement. For the final KYC document list, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.

The business plan identifies a verified employment letter, two to six months of payslips, a standing-order arrangement, post-dated cheques and guarantor details when required. For the final KYC document list, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.

The confirmed Business Loan information does not prescribe a standard document list. For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.

Applications are currently handled through the office. For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.

F.O.D. targets a decision within 72 hours for qualifying clients who have supplied complete information and passed the required checks.

Business Loan funds are available within 24 hours upon approval.

The published range is GHS 3,000-20,000, at 1%-3% monthly on a straight-line basis, for 3-12 months. Repayment may be monthly, quarterly or aligned with seasonal factory-payment schedules.

The published range is GHS 1,000-10,000, at 5% monthly flat, plus a 3% one-off upfront processing fee. The standard published tenure is 4-6 months; the business plan separately describes a 12–36 month CAGD structure for eligible government workers.

Business Loans carry an interest rate of 10%–15%, with flexible repayment tenures of 1–6 months. Loan amounts, pricing and repayment terms are determined through the borrower’s credit assessment, repayment capacity and the nature of the financing requirement. Funds are available within 24 hours upon approval.

For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.

For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com. The office is open Monday to Friday, 8:00 AM to 5:00 PM.

Record the issue and supporting information, then call, WhatsApp or email the office. Keep the acknowledgement reference and follow the escalation route if the issue is not resolved. For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.

F.O.D.'s business plan sets a target of resolving complaints within 10 working days. Complex cases may require updates and additional investigation.

The business plan states that F.O.D Money Lending Services Limited is incorporated in Ghana and licensed under the Money Lenders Ordinance as administered by the Bank of Ghana. For the licence number and approved regulatory wording, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.

No. F.O.D. is described as a non-deposit taking financial institution and does not mobilise deposits from the public.

They help verify identity, understand customer risk and meet obligations under Ghana's anti-money-laundering and counter-terrorism-financing framework.