The Bank's main determining factors for the approval of loans are the farmer's project management capability and project viability. However, the Bank is also required to take adequate security for loans. Security for agriculture loans must be in accordance with the Bank's general security requirements.

In relation to loans to small farmers, acceptable security may include:

1. Certificate of Title;
2. Bill of sale on plant, vehicle, machinery and equipment;
3. A guarantee from an acceptable agency, e.g. a farmer's cooperative or organisation in good standing;
4. Fixed deposit
5. For loans of $6,000 and under, guarantors who are capable of paying the loan in case of default and who are normally expected to pledge some form of asset as security.