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.

What Is Supply Chain Financing?

Supply Chain Financing is an arrangement where we provide prepayments or working capital to farmers and growers who supply agricultural produce to your business.

• You can maintain the buyer-supplier relationship and production plan.
• We step in to fund the upstream supply by providing farmers with the liquidity they need for inputs, planting, production, harvest, and logistics, so that you have a stronger, more reliable supply.
• Your risk is reduced because you do not need to expose cash upfront 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 cash flows 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 cash flow - we fund your suppliers directly, so you do not 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 include:

• 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 and supply contracts so funding can be deployed quickly.
• Upfront 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 offtake guarantee: the grower supplies your business under agreed terms, giving the fund visibility of cash flow or offtake.
• Repayment via produce, offtake, or post-harvest payment: when the harvest is delivered and payment is made by you, the grower repays us, or funds are withheld from the offtake.
• 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, and documentation, and have the agricultural 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 such as fruits, vegetables, and nuts, who work with multiple small or medium-scale farmers and need to scale supply ahead of export seasons.
• Grain or cereal processors and mills who rely on local growers delivering to their facility and want to ensure timely volumes.
• Value-chain partners such as packers, aggregators, and co-operatives, who manage supply networks and want to support growers with finance so they can deliver as contracted.
• Off-takers who want to deepen their relationships with suppliers, reduce supply risk, and improve quality and consistency.

Whether the farmer is a smallholder or commercial producer, 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 a fast and efficient process to integrate with your systems, assess your clients, and deploy funding.