What we offer

At Capital Harvest we offer financial products similar to the products offered by commercial banks and the structuring, interest rates and terms and conditions of the finance are highly competitive.

What makes us different is the fact that we focus only on agriculture. Our processes (relationship management, credit, compliance and risk) are developed to support agriculture financing, our products are bespoke, and we approach risks relating to agriculture in a manner that most commercial banks simply cannot do.

We place an emphasis on building sustainable and lasting relationships with our clients as well as taking ownership of every transaction that we finance.

Term loans

Term loans with repayment terms of up to 15 years for financing of farmland, immovable assets and expansions / improvements to such property (e.g. vineyard and orchard plantings) are available. Term loans are structured in innovative ways to match the repayment ability of the underlying crop with the cash flow generated by that crop.

Revolving credit facilities

Capital Harvest does not have current account facilities and can thus not offer overdraft facilities. As an alternative we have a revolving credit facility which operates similar to an overdraft. A facility is made available in accordance with the client’s cash flow needs (which replaces the client’s overdraft held at a commercial bank) and is reviewed on an annual basis. Funds are then transferred by Capital Harvest, upon request by the client, to the client’s bank account (available within 24 hours) and funds can also be deposited in the revolving credit account by the client as and when surplus cash is available.

Instalment sale agreements

Financing is available for all agriculture related moveable assets with repayment terms of up to 60 months.