Inventory Financing
Turn Stock into Capital
Managing inventory is a critical part of any farming operation. From seeds and fertilisers to harvested crops waiting for sale, having the right inventory at the right time is essential. Agriculture inventory financing helps farmers maintain sufficient stock levels without tying up cash flow.
Key Facts
1-6 months term
R5-500million amount
Funding to store harvest until expected seasonal price peak to maximise revenues
Collateral of inventory in silo (traded commodities only)
Facility of up to 90% of inventory market value
What Is Inventory Financing?
Inventory financing is a short-to-medium term funding solution that allows farmers and agribusinesses to purchase, store, and manage inventory efficiently. Instead of using cash reserves to stock inputs or finished products, you can access financing that covers the cost until the inventory is sold.
Common uses include:
Seeds, fertilisers, and pesticides
Feed and livestock supplies
Harvested crops awaiting sale
Packaging and processing materials
Seasonal produce for distribution
Why Inventory Financing Is Important for Farmers
Farming is seasonal, and production cycles often create gaps between purchasing inputs and generating revenue. Inventory financing helps farmers to:
Maintain adequate stock without cash strain
Purchase inputs in bulk to take advantage of lower prices
Meet sudden demand spikes or supply shortages
Avoid production delays due to missing inventory
Store harvested crops safely while awaiting the best market prices
With proper inventory management, farmers can optimise operations and reduce financial pressure during critical periods.
How It Works
We provide flexible financing options tailored to your inventory needs:
Short-Term Funding - covers the cost of inventory until it is sold or used
Flexible Repayment - repayment schedules aligned with sales cycles
Supplier Payments - direct payment to trusted suppliers or storage providers
Scalable Solutions - financing grows with your seasonal or operational needs
Our goal is to ensure you always have the inputs and stock you need to keep your farm running efficiently.
Who Can Apply?
Inventory financing is ideal for:
Crop farmers and horticulturists
Livestock and poultry producers
Agribusinesses and cooperatives
Contract growers and distributors
Whether you’re preparing for the planting season or storing harvests for sale, inventory financing gives you financial flexibility to operate smoothly.
Benefits of Working With Us
Farm-focused expertise - financing structured around agricultural cycles
Improved cash flow - keep operations running without tying up capital
Scalable solutions - match financing to your farm size and seasonal needs
Dedicated support - guidance from agriculture finance specialists