Mkulima advance is a product given to farmers who channel their monthly farm produce payment through TN FOSA. These include;
• Dairy farmers
• Tea farmers
• Coffee farmers

Requirements
1. Channel ones farm produce payments through TN Sacco
2. Fill a form which should be guaranteed by the society and TN Sacco members.
3. The account should have been active for at least six months

Appraisal
1. 2/3 of the latest 3 months payments average.
2. Maximum repayment period is 12 months.