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The daily decline that plagued the Nigerian economy early 2016 to late 2017, has driven the country to take agriculture more seriously than ever before. Irrespective of this public clamour for farming, a lot of farmers in Nigeria still have a large problem of getting access to agric loans, despite the fact that the Central Bank of Nigeria (CBN) has allocated about 200 billion Naira to fund the agricultural sector. While this may be a major mishap, it also means that funding is now available for every farmer or investor looking to expand or get into the sector. The first problem farmers experience is not getting the loan, but being informed on how to properly gain access to the agricultural loan. This has led to growing concerns in the country, with many farmers stipulating that they have no access to the agricultural loan facilities being disbursed. The purpose of this article is to show you exactly what it takes, what to do, and how to approach the proper financial and government institutions to secure a loan for your agricultural business. The first thing you need to know is the type of agricultural businesses that have access to the agric loans. While some do, others don’t. Some of the agricultural products that can give you access to agric loans in Nigeria are: cassava farming, fish farming, poultry farming, cotton farming, oil palm farming, pig farming, maize farming, rice farming, snail farming, and a lot more. The next step is you need to visit your state’s Bank of Agriculture (BOA) to know the full agric loan requirements, and how you can proceed with your application for a loan. Some things you need to know about the loan is; before you can gain access to the agricultural loan from your state’s Bank of Agriculture (BOA), you need to have banked with them for at least 6 months. You must also have saved at least 20% of the amount you intend to loan from the bank. Also, the loan rate for the micro credit agricultural loan is usually 12%. When you visit your state’s Bank of Agriculture (BOA), you can get more detailed information on how to apply for the loan. If you don’t have time to visit your local Bank Of Agriculture (BOA) branch, you can call the BOA on 07042262222 or 07040202222. It’s important to know that it’s not only the Bank Of Industry that gives out agric loans. Some commercial banks do too, but through the federal government and other bodies. Some banks that offer agricultural micro-loans for farmers in Nigeria are Union bank, United Bank For Africa (UBA), Stanbic IBTC, First Bank, and several micro-finance banks. These loan institutions will require that existing farmers present a financial statement showing their income statements so far. New farmers would need to present a viable business plan for the bodies to review. Being a part of FADAMA, and/or applying for Youth Based Initiatives loans are also a great way to get agricultural loans in Nigeria.