At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
Joint Shares Investment Holdings (JS) offers low-cost, flexible crop farming loans — 3% per year, up to 15 years, no collateral, no credit score check. Available to farmers and agribusinesses around the world.
Wheat, corn, rice and vegetable fields — scroll or tap to enlarge. (Click images to open.)
Loans designed with agricultural seasonality, fast disbursement, and flexible repayment — crafted for real farming needs.
Tranches that match sowing, growth, and harvest cycles so you only draw what you need when you need it.
Flat 3% p.a. headline rate — transparent and easy to forecast for farm budgets.
Access financing without pledging land or other assets in most standard cases — speak to JS for details.
Available to farmers and agribusinesses in 130+ countries; local partners & FX handling included.
Indicative terms within days and quick turnaround for urgent seasonal funding.
Group and co-operative lending options for smallholders and community farms.
We finance machinery, irrigation upgrades and precision agriculture tools — enabling yield improvements and lower long-term costs.
A farmer-friendly process designed for speed and clarity.
Provide basic details and projected crop cycle — no obligation initial check.
Receive clear loan terms, disbursement plan and repayment schedule tailored to your season.
Simple documentation: ID, land/operation details, crop plan — we guide you through local needs.
Tranche releases synchronous with sowing and pre-harvest needs — fast transfers to your account.
Repayment scheduled around harvest sales or market receipts; refinancing options available.
| Feature | JS Crop Loan | Typical Bank Loan |
|---|---|---|
| Interest | 3% p.a. headline | Variable, often higher |
| Collateral | Usually none required | Often land or assets required |
| Speed | Days for indicative terms | Weeks to months |
| Repayment Structure | Seasonal tranche schedule | Standard amortisation |
| Geographic | 130+ countries (global partners) | Branch-limited |
Real results from farmers we’ve supported.
“JS funded our rice transplanting season when our cashflow was tight. The disbursement schedule matched our needs and the interest was far lower than alternatives.”
“We replaced old equipment through a JS equipment loan. Year-on-year yields improved and we reduced post-harvest loss with a new coldstore.”
“Group financing allowed our cooperative to buy seed in bulk and negotiate better prices. The application was simple and the team understood our cycles.”
JS works with partners and agents around the world to deliver loans and local support to farmers.
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Joint Shares Investment Holdings — low-cost crop loans, built for seasons. Confidential advisory from Luxembourg with global reach.
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