Tobacco seedlings in an ELT-financed nursery

The whole cycle, financed

Bridging finance, seed bed to floor.

ELT gives smallholder tobacco farmers everything a season needs before the season starts: inputs, capital, agronomy and a guaranteed route to the auction floor. Ten services, one unbroken line of support.

10services in the cycle
4Gold Class tiers
1,250+farmers financed

What ELT carries

Giving bridging finance to smallholder farmers, in every form a tobacco season demands. Hover a card to read what it covers.

01

Seed bed package

We support the farmer from the onset of the season with a quality seed bed package. The seedbed sets the pace for the quality of the whole crop.

02

Land pack package

Recommended tobacco chemicals and fertilizers, plus the working capital to put them in the ground.

03

Chemicals & fertilizers

A range of effective tobacco chemicals (Imidacloprid, Tide, Bullet, Decanol) and fertilizers, delivered to the farm gate.

04

Tobacco packaging

Hessian and paper packaging to preserve the cured leaf and protect its grade on the way to the floor.

05

Working capital

Provision of all working capital requirements, so a grower with no upfront cash can still plant a full season.

06

Extension services

Training and agronomy guidance for smallholder farmers, part of ELT's non-monetary support. The farmer is never left to guess.

07

Tobacco marketing

Our mantra: Kutengesa neHungwaru, selling with excellence. Every financed crop reaches the floor and settles fairly.

08

Logistics

Our logistics team ensures farmers receive their inputs on time and have a smooth tobacco marketing season.

09

Microinsurance

We have the back of our smallholder farmers covered against the risk of unforeseen circumstances.

10

Gold Class scheme

The flagship: a four-tier input facility (Gold, Diamond, Silver, Bronze) scaled to what each farmer produces.

Walk the cycle with us

From seed bed to auction floor, ELT carries the cost and the risk so the farmer can focus on the leaf. Drag or use the arrows.

  • Seed to Auction

    Five stages, one line of financing

    From the seed bed to the auction floor. ELT carries every step.

    Check your tier
  • Stage 01

    The Seed Bed

    Seed and nursery inputs reach the grower before planting. Healthy seedlings, raised on ELT credit, with no upfront cash.

    Pre-financed
  • Stage 02

    Inputs & Planting

    Fertilizer, chemicals and curing coal delivered to the farm gate on ELT credit. The grower plants now and settles at the floor.

    Pre-financed
  • Stage 03

    The Growing Season

    ELT agronomists work the season beside the farmer, from transplant to topping. Guidance, not guesswork.

    Full support
  • Stage 04

    The Cure

    We fund the coal and the barns and guide the cure, protecting leaf quality so the crop earns its best grade.

    Quality held
  • Stage 05

    The Auction Floor

    Every financed crop has a guaranteed route to the floor. We sell with excellence and settle the farmer fairly.

    Sold & settled

Plant with backing, not on a gamble

Grow with ELT.

If you grow tobacco in Zimbabwe, the whole cycle can be financed. Check the Gold Class tier your yield unlocks, then apply in minutes.

Check your tier Talk to our team