Capital Harvest is a niche agriculture finance company founded in 2006 by current directors,
Faans Roos and Johan du Toit. Initially the company formed part of a listed group but
through a management buy-out in 2010, Capital Harvest became the first independent
financier to focus solely on agriculture. The group provides bespoke financial solutions to the
primary and secondary agriculture market.
We started small, developing risk funding for fresh fruit exports. We soon discovered the
huge need across all farming types, and we knew commercial banks were not providing the
necessary financial solutions. Over the past 18 years, Capital Harvest has established itself
as a preferred agriculture financier, managing agriculture debt of R3 billion, and providing
our clients with:
Access to a team of 19 qualified and experienced personnel;
Formalised sales, credit, risk, and compliance processes based on banking best practices;
Market beating turn-around time in terms of the approval of finance applications;
Financial solutions and products which are agriculture specific with terms and conditions
aligned to the underlying cash flow stream of specific areas of agriculture;
In the past, the group sourced its funding predominantly from the Land and Agricultural
Development Bank of South Africa, however, the significant liquidity
challenges which Land Bank faced in 2020 compelled us to source alternative funding.
In April 2021, we were successful in raising R1 billion on the capital markets through our
unrated, unlisted securitization structure, Capital Harvest Warehouse SPV (RF) (Pty) Ltd. In
December 2021 we launched our rated, listed securitization structure, Capital Harvest
Finance (RF) Limited (rated by the Global Credit Rating Agency and listed on the Cape Town
Stock Exchange) and were successful in raising a further R1 billion. Our funders for the
securitization structures are Futuregrowth, Stanlib, Momentum, Taquanta, Ashburton,
Aluwani, Prescient, Sanlam and Vunani. We will continue to raise funding in these structures
to support the growth in the Capital Harvest debtor book.
