One of the major reason why access to loan facilities is difficult for small holder farmers in Nigeria is their ROI. Before giving out a loan, the financier would want to make sure that he is getting a good enough return on his investment, but small farm holders that barely break even. Unforeseen circumstances affects small holder farmers more than the established ones and this makes it difficult for them to pay back loans even when given. My suggestion is that small farm holders should come together to create a larger Enterprise, this way, their production capacity is increased and so is their return on investment. Also, adequate market should be put in place for their products before embarking on production.