Supply Chain Financing
We Can Finance Your Suppliers
Our Supply Chain Financing solution is built for exporters, processors and agri off-takers who want to scale their supply, stabilise their value chains and support their growers. By partnering with us, you can refer or engage your farmer-suppliers to access the funding they need - and you strengthen your supply base, improve quality and minimise disruption.
Key Facts
1-5 years term
R5-500million amount
Funding for exporters and processors to provide funding option to their suppliers
Collateral of offtake agreement
Facility of up 60% of the purchase value
What is a Supply Chain Financing?
Supply Chain Financing is the arrangement whereby we provide pre-payments or working capital to farmers and growers who supply agricultural production to your business.
You can maintain the buyer-supplier relationship and production plan.
We step in to fund the upstream supply: providing farmers with the liquidity they need (for inputs, planting, production, harvest, logistics) so that you have stronger, more reliable supply.
Your risk is reduced (you don't need to expose cash up-front to all suppliers), the farmer achieves improved access to finance, and the Fund supports the transaction, credit assessment and repayment structure.
This means you receive more consistent volumes, better quality, and reduced supply risk - while your suppliers grow.
Why Supply Chain Matters
Agricultural value chains thrive when every link - from farmer to processor to exporter - has access to reliable financing. Yet, many producers struggle with seasonal cashflows that limit their ability to meet supply demand. Supply Chain Funding bridges this gap.
Key advantages for processors and exporters include:
Secure consistent supply – enable your suppliers to access working capital and deliver larger, more reliable volumes.
Protect your cashflow – we fund your suppliers directly, so you don't need to provide prepayments or extend your own credit.
Strengthen partnerships – support your network growth, building trust and long-term loyalty.
Reduce procurement risk – we take on the credit exposure, allowing you to focus on production, processing, and export.
Scale your operations – access a wider network of funded, capable suppliers ready to meet your market demand.
By aligning access to finance with production needs, Supply Chain Funding drives shared growth, stability, and sustainability across the entire agricultural ecosystem.
How It Works
We collaborate closely with exporters and processors to design a programme that matches your production cycle, crop type and supply chain dynamics. Key features:
Referral or nomination of growers: you refer your farmers or suppliers to us (or we agree joint criteria) so we fund those who supply you.
Fast grower-approval process: we carry out streamlined credit assessments of growers/supply contracts so funding can be deployed quickly.
Up-front funding to the grower: once approved, the farmer receives the funds for inputs, labour, harvest or logistics, aligned with your supply schedule.
Supply contract or off-take guarantee: the grower supplies your business under agreed terms, giving the Fund visibility of cash flow or off-take.
Repayment via produce/off-take or post-harvest payment: when the harvest is delivered and payment made by you, the grower repays us (or funds are withheld from the off-take).
You benefit: by working with funded growers, you secure access to higher volumes, better planning, less disruption and stronger supplier loyalty.
We support you: we assist with deal structuring, risk-management, documentation, and have the agriculture expertise to design terms compatible with farm cash-flows.
Who Supply Chain Financing Is Designed For
This solution is ideal for:
Exporters of fresh produce (fruits, vegetables, nuts) who work with multiple small or medium-scale farmers and need to scale supply ahead of export seasons.
Grain/cereal processors or mills who rely on local growers delivering to their facility and who want to ensure timely volumes.
Value-chain partners (packers, aggregators, cooperatives) who manage supply networks and want to support growers with finance so they can deliver as per contract.
Off-takers who want to deepen their relationships with suppliers, reduce supply risk, and improve quality/consistency.
Whether the farmer is smallholder or commercial, this programme enables you to add value by supporting upstream finance, strengthening your supply chain and growing together.
Benefits of Partnering With Us
For your business and your value chain, the benefits include:
Agricultural-sector expertise: unlike generic lenders, we understand harvest cycles, seasonal stress, input costs and agribusiness risk, enabling tailored solutions that align with real farm operations.
Transparent, flexible terms: our funding is structured to match the production cycle - from planting to harvest to payment - rather than rigid monthly repayment schedules.
Streamlined Process: we will agree on fast and efficient process to intergrate with your systems, assess and deploy your client funding.