Government farm credit
The Department of Agriculture’s Agricultural Credit Policy Council (ACPC) runs low-interest loan programs for small farmers and fisherfolk, released through Landbank and partner lenders such as cooperatives and rural banks.
Serbisyo ng REALMServices
Finance
Finance that fits the farm.
Coconut plantation in Sipocot, Camarines Sur. Photo: Biag arnel, CC BY-SA 4.0, via Wikimedia Commons
How REALM helps
Understand your options for equipment, land and working capital, and connect with finance professionals who know agriculture.
Plain-English guides in the newsletter
Short explainers on equipment finance, leasing, land loans and working capital: what the terms mean and what lenders usually look for.
Introductions to finance partners
Tell us what you are trying to fund and we can put you in touch with finance professionals who understand farming. Any arrangement is between you and them.
Seasonal cash-flow tips
Practical ideas for planning around harvest, sale and input-cost cycles, so the lean months are easier to manage.
REALM does not provide credit or financial advice. Loan applications are made with and handled by Pay In Time Finance.
Talk to a real person
Call +61 419 182 804 or email [email protected].
Mon–Fri, 9am–5pm Australian Eastern time (about 7am–3pm Philippine time; 6am–2pm from October to early April)
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Dito sa Pilipinas · In the Philippines
Official farm credit and insurance in the Philippines
Before you borrow, it is worth knowing about the government programs for farmers. REALM is not part of these programs; ask the offices below what you qualify for.
Crop and livestock insurance
The Philippine Crop Insurance Corporation (PCIC) insures rice, corn, high-value crops, livestock and farm machinery against typhoons, floods, drought and pests. Registered farmers in the RSBSA list may qualify for free insurance cover.
Register in the RSBSA
Many programs ask that you are listed in the Registry System for Basic Sectors in Agriculture (RSBSA). Your municipal or city agriculture office can help you register.
Read before you sign
Ask for the full cost of a loan in pesos, including fees, and the repayment dates. Make sure repayments fall after your harvest, not before.
Official sources
- Agricultural Credit Policy Council (ACPC)
- Land Bank of the Philippines
- Philippine Crop Insurance Corporation (PCIC)
General information only, checked October 2026. Rules and programs change: always confirm with the office concerned. REALM Group Philippines is not part of any government agency.
Our sister brand
Ready to apply? Pay In Time Finance
Pay In Time Finance is part of the REALM family. Apply online for equipment, machinery, land or working-capital finance, or tell their team what you need first.
You will leave the REALM website. Applications are assessed by Pay In Time Finance, not REALM.
What you can fund
Equipment & machinery
Tractors, harvesters and other gear can be bought outright, leased or financed. Our guides explain the trade-offs so you can compare options with confidence.
Land & property
Buying, expanding or refinancing a farm is a long-term commitment. Learn the questions worth asking before you sit down with a lender.
Working capital
Farm income arrives in waves. Understand the ways to cover seed, fertilizer, fuel and labor between harvests without over-stretching, and without turning to high-interest informal lenders.
Good to know
Common questions about finance
Quick answers from our FAQ. Still stuck? Ask the Chat Assistant or give us a call.
Do you offer finance?
Our sister brand Pay In Time Finance takes finance applications online for equipment, machinery, land or working capital - please check its website for the countries it currently serves. We also share plain-English finance guides in the newsletter. REALM itself does not give credit or financial advice. Apply with Pay In Time Finance →
Is membership free?
Yes. Joining REALM is free. Members can read the Newsletter, join community groups and list items on the marketplace.
How do I contact REALM?
Email [email protected], use the contact form, or call the REALM Group head office in Australia on +61 419 182 804 (an international call from the Philippines). Contact us →
Other services
Real Estate
Farm lots, rice land, plantations and rural homes from owners and licensed brokers.
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Auction
Livestock auction markets, machinery sales and farm clearance sales, plus results.
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Livestock
Carabao, cattle, goats, hogs and poultry, with registration details checked.
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Machinery
Hand tractors, threshers, harvesters, dryers and implements from trusted sellers.
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Community
Bayanihan online: groups, comments and connections with farmers worldwide.
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Agriculture
Palay, corn, feed, seed and produce, plus practical growing advice.
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