Working Capital Financing
Funding When Season Can't Wait
Running a farm means managing more than just crops and livestock - it means managing cash flow. From buying inputs before the planting season, to paying labour and transport costs, access to working capital is essential for keeping farm operations running smoothly. We provide flexible agriculture working capital finance solutions designed specifically for farmers and agribusinesses.
Key Facts
3-12 months term
R5-500million amount
Funding for working capital to grow operations
Can be with or without collateral, off-take contract required
Facility from 20% to 60% of expected revenues
What Is Working Capital Finance?
Working capital finance is short-term funding that helps cover the day-to-day operational expenses of a farming business. These expenses might include:
Seeds and fertiliser
Fuel and equipment repairs
Wages and seasonal labour
Crop protection products
Transportation and logistics
Instead of waiting until after harvest to access cash, working capital finance helps bridge the gap between planting and income.
Why Working Capital Is Essential for Farmers
Agriculture has long production cycles and is heavily seasonal. Input costs occur upfront, but income is only realised months later. Without access to capital, farmers often struggle to:
Purchase inputs at the right time
Take advantage of bulk buying or seasonal discounts
Pay labourers during planting and harvesting
Pay to store produce for sale at better seasonal prices
Quickly respond to unforeseen challenges (weather damage, pests, etc.)
By providing working capital at critical points in the season, we help farmers protect yields, improve cash flow and grow sustainably.
How It Works
Our solutions are tailored to the unique needs and timelines of agricultural producers. Key features include:
Seasonal Repayment Terms - repayment structured around harvest cycles, not monthly
Flexible Facility Size - funding based on your input requirements and projected yield
Fast Approval Process - minimal paperwork, designed for busy farmers
Input Supplier Partnerships - direct payment to trusted suppliers for convenience
We work closely with farmers to determine the right level of support, ensuring you only access what you need when you need it.
Who Can Apply?
Our agriculture working capital financing is suitable for:
Crop farmers - fruit, vegetable, grain and other farms
Livestock farmers - cattle, poultry farms
Contract growers and agri-cooperatives
Smallholder and commercial producers
Agribusiness input suppliers
Whether you’re planting a new season or scaling up existing production, we’ll help you stay liquid and operational throughout the cycle.
Benefits of Working With Us
Agriculture-focused - our team understands seasonal cash flow and crop cycles
Tailored solutions - facilities structured around your production schedule
Competitive rates - designed to support long-term farm profitability
Dedicated support - ongoing guidance from our agri-finance specialists