Khayrat Enterprise is a trusted business based in Tamale, Northern Region, Ghana, dedicated to empowering farmers and small businesses. Our work bridges two essential sectors: Agribusiness and Financial Services. We buy farm products directly from farmers at fair prices while also offering loan services to individuals, traders, and small enterprises.
By combining agriculture and finance, Khayrat Enterprise drives growth, supports livelihoods, and strengthens communities.
Offering quick, reliable, and flexible loans to farmers, traders, and small businesses.
Supporting farmers with financial assistance to improve production.
Helping entrepreneurs access funds to expand their businesses.
Personal Loans – Quick access to funds for emergency and personal needs.
Business Loans – Support for SMEs to expand and grow.
Agricultural Loans – Tailored loans for farmers to invest in seeds, inputs, and equipment.
Savings Opportunities – Secure saving schemes to help customers build financial discipline.
Flexible Repayment Plans – Weekly repayments to suit customers’ income flow.
Financial Advisory – Guidance to help clients use loans wisely and grow their businesses.
Buying farm products such as maize, groundnuts, soybeans, rice, cassava, peppers, and other crops directly from farmers.
Supporting farmers with fair pricing and reducing post-harvest losses.
Promoting local agribusiness growth in Northern Ghana.
To provide trusted loan services and promote agribusiness innovations that uplift individuals, farmers, and communities.
To be the leading enterprise in financial support and agribusiness across Ghana and beyond.
Trust – Building lasting relationships.
Opportunity – Creating paths for growth.
Sustainability – Ensuring long-term benefits for clients and communities.
Innovation – Applying modern solutions in finance and agriculture.
Trusted and Reliable: We value transparency and fairness.
Community-Centered: Focused on supporting farmers and small businesses.
Dual Services: Both agribusiness and loans under one enterprise.
Local Expertise: Deep understanding of the Northern Ghana market.
Khayrat Loans Service & Agribusiness is a subsidiary of Khayrat Enterprise, founded to address the financial and agricultural needs of individuals and small businesses. With a deep commitment to economic empowerment, we bridge the gap between access to credit and sustainable agricultural practices.
By combining loan services with agribusiness support, Khayrat creates a unique ecosystem that fosters growth, reduces poverty, and drives innovation in Ghana’s agricultural sector. Our operations are rooted in community trust, providing tailored solutions that make a real impact on livelihoods.
Welcome to Khayrat Enterprise. By accessing or using our services, you agree to the following terms and conditions. Please read them carefully.
Loan Services
Loans are provided based on eligibility assessment, which may include credit checks, guarantors, or collateral.
Customers must provide accurate information when applying. False or misleading details may lead to rejection or legal action.
Repayment terms, interest rates, and fees are agreed upon in a signed loan agreement.
Late repayments may attract penalties and additional charges, as outlined in the loan contract.
Agribusiness Services
Khayrat Enterprise buys farm products directly from farmers and sells to markets or clients.
Prices offered are subject to prevailing market conditions and agreed upon before transactions.
Once products are sold to the company, ownership transfers fully to Khayrat Enterprise.
Customer Responsibilities
Customers must comply with all repayment schedules and agreements.
Customers must maintain honesty in transactions, including product supply and loan applications.
Any misuse of services (fraud, misrepresentation, or default) may result in suspension of services and legal enforcement.
Company Responsibilities
Provide clear and transparent loan terms before disbursement.
Ensure fair pricing in the purchase of farm products.
Keep customer data confidential, except where disclosure is required by law.
Penalties & Default
Failure to repay loans on time will attract penalties, which may include:
Additional interest charges.
Legal recovery actions.
Blacklisting from future services.
Limitation of Liability
Khayrat Enterprise shall not be liable for losses caused by market fluctuations, natural disasters, or events beyond its control.
Customers are responsible for ensuring they understand and agree to all contract terms before signing.
Amendments
Khayrat Enterprise reserves the right to update these Terms & Conditions at any time. Updates will be communicated through official channels.
Governing Law
These Terms & Conditions are governed by the laws of the Republic of Ghana. Any disputes shall be resolved under Ghanaian jurisdiction.
At Khayrat Enterprise, your privacy is very important to us. This Privacy Policy explains how we collect, use, and protect your information when you interact with our services, including our loan services and agribusiness solutions.
Information We Collect
We may collect the following types of information:
Personal Information: Name, contact details (phone number, email address, WhatsApp), identification details, and financial records when applying for loans.
Business Information: Farm produce details, transaction history, and business-related data.
Website Information: IP address, browser type, device information, and cookies when you visit www.khayratbt.com.
How We Use Your Information
We use your information to:
Provide and improve our loan and agribusiness services.
Process loan applications, repayments, and transactions.
Communicate with you about services, promotions, or updates.
Comply with legal and regulatory requirements.
Protect against fraud, unauthorized access, or misuse of services.
Sharing of Information
We do not sell or rent your personal information to third parties.
However, we may share your information with:
Service providers who assist us in delivering our services.
Regulatory authorities or law enforcement if required by law.
Business partners (only with your consent) to support agribusiness opportunities.
Data Protection & Security
We implement appropriate security measures to protect your data against loss, misuse, unauthorized access, or disclosure.
However, please note that no electronic transmission over the Internet is 100% secure.
Your Rights
You have the right to:
Access, update, or correct your personal information.
Request deletion of your data where legally applicable.
Opt-out of marketing messages at any time.
Cookies & Tracking
Our website may use cookies to improve user experience and analyze website performance. You may disable cookies in your browser settings.
Third-Party Links
Our website may contain links to third-party sites. We are not responsible for their privacy practices or content.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised effective date.
Contact Us
If you have questions about this Privacy Policy or how your information is handled, please contact us:
Email: khayratbtenterprise@gmail.com
📞 Call: +233 539 781 008
📱 WhatsApp: +233 504 009 675
🌐 Website: www.khayratbt.com
📘 Facebook: Khayrat Enterprise
📍 Location: Aboabo and Filing Point.
Northern Region, Tamale - Ghana
