Who we are

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 weren’t providing it. Over the past 15 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 22 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

  • Dedicated financial solutions for the developing farmer market.

In the past, the group sourced its funding predominantly from the Land and Agricultural Development Bank of South African (“Land Bank”), however, the significant liquidity challenges which Land Bank faced in 2020 compelled Capital Harvest to source alternative funding.

Early in 2021, Capital Harvest was successful in raising R1 billion on the capital markets through its securitization structure, Capital Harvest Warehouse SPV (RF) (Pty) Ltd. The funders of this structure are Futuregrowth, Sanlam and Ashburton. We are in an advanced stage of raising a further R2 billion as part of our drive to diversify our funding base.

Our Team

Board of Directors

Elias Masilela

Elias Masilela

Executive Chairman

BA Social Sciences (University of Swaziland),
M Sciences in Economic Policy and Analysis (A.A.U.)
Elias Masilela is not only regarded as one of the most respected business persons in South Africa but his career subsequent to his studies has taken him through institutions such as the Central Bank of Swaziland, the National Treasury in South Africa, Sanlam as well as the PIC. He has held board positions in strategic institutions in the country, including the South African Reserve Bank, the Airports Company of South Africa and the Government Employees Pension Fund. Currently he is a member of the board of Multichoice, Alternative Prosperity and the chairman of the V&A Waterfront as well as the Kalafong Hospital. In addition, he serves as executive chairman of DNA Economics and was recently re-appointed to the National Planning Commission. He has completed numerous courses in management and economics with Harvard University and has lectured, written and published widely. His most notable achievement in writing has literally re-written the history of the Kingdom of Swaziland and provided an entirely new and interesting perspective to South Africa’s liberation. The title of the book is “Number 43 Trelawney Park” and achieved wide critical acclaim. Elias unofficially joined Capital Harvest during 2015 but officially become part of Capital Harvest as BEE partner on 1 June 2016 and was appointed as chairman to the board.

Johan du Toit

Johan du Toit

Joint Chief Executive Officer (Operations)

B.Comm (Agric economics),
Hons B&A, MBA (Stellenbosch)
After completing his degree at the University of Stellenbosch in 1994, Johan is appointed as general manager of a 600ha apple farm in the Langkloof. Over the next 6 years he obtains invaluable practical agriculture experience. He joins BoE Bank in May 2000 as a business manager. Within a year he is appointed as business head of the Helderberg region with a client portfolio of R600m under his management. He leaves Nedbank (BoE Bank was taken over by Nedbank in 2003) during April of 2004 and between 2004 and 2006 he acts as independent agriculture consultant. During this period, he also acts as CEO of Groot Winterhoek Cold Stores and Western Cape director of the JSE listed company Santova (then Spectrum Shipping Limited). Together with Faans Roos they form Capital Harvest in October 2006.

Faans Roos

Faans Roos

Joint Chief Executive Officer (Finance)

B.Acc (Hons) (Stellenbosch),
CA (SA)
After completing his honors degree at the University of Stellenbosch in 1993, Faans starts his articles with the international audit firm, Ernst & Young. He obtains his CA (SA) qualification during March 1994. After completing his articles and a period as audit manager, he joins BoE Bank during 1999 as head of credit for the Helderberg region with a client portfolio of R500m under his credit management. He is appointed as head of credit in October 2000 for both the Helderberg and Stellenbosch regions with a client portfolio that grows to R1 billion. With the takeover of BoE Bank by Nedbank in 2003, he is appointed as regional credit head for the Winelands region with a client portfolio of R2.5 billion under his credit management. Included in the R2.5 billion was R1 billion of primary and secondary agriculture clients. Together with Johan du Toit they form Capital Harvest in October 2006.

Christiaan Buys

Christiaan Buys

Director: Risk Management

BSc (Maths) (Stellenbosch)
After completing his degree at the University of Stellenbosch, Christiaan spends 2 years with the Department of Soil and Agriculture Products as a research assistant. After a short period in England he starts his banking career in 1996 with Boland Bank (Natal) as a credit analyst. He is transferred to Somerset-Wes 1998 and in 1999 he is appointed as head of risk for the Helderberg and Stellenbosch areas of BoE Bank. With the Nedbank takeover of BoE in 2003, he is appointed as area credit manager for the Stellenbosch area with a client portfolio of R1.3 billion under his credit management. RMB Private Bank approaches him during 2006 and on 1 September 2006 he is appointed as head of credit for their Newlands and Tyger Valley offices. In 2008 he is appointed as RMB Private Bank credit head for the Western Cape and Natal with a client portfolio of R3 billion under his credit management. He joins Capital Harvest during 2010 as Director: Risk Management.

Piet Krynauw

Piet Krynauw

Non-executive Director (Chairman of the Credit Committee)

B.Comm,
Hons (B&A) MBA (Stellenbosch)
Shortly after Piet completes his degree at the University of Stellenbosch in 1967, he starts his banking career with Boland Bank. Over the next 30 years he holds various senior management positions in the treasury, credit and marketing divisions of the bank. During this time he serves on the executive management team of the bank for 10 years of which 3 years were as executive director. From 2000 to 2002 he serves as management consultant for BoE Bank and from 2003 to 2005 he serves as restructuring consultant for Nedbank (BoE was taken over by Nedbank in 2003). In 2006 he forms the finance and project management consulting business, Investa Finance, and has since acted as Chief Executive. He joins Capital Harvest during 2010 as non-executive director. During the period June 2011 through May 2016 he held the position as non-executive chairman and on 1 June 2016 he was appointed chairman of the credit committee.

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Staff

Albert Smith

Albert Smith

Credit Head
Alternate director to F Roos and J du Toit

B.Comm (Management Accounting) (Hons) (Stellenbosch), ACMA

Pikkie Swart

Pikkie Swart

Head of Operations

B.Econ (Hons) (Stellenbosch)

Morne Rossouw

Morne Rossouw

Business manager

Diploma (Banking)

JP Brand

JP Brand

Business manager

B.Comm (Banking) (Pretoria)

Willie De Lange

Willie De Lange

CEO: Capital Harvest Emerging Farmer Finance

B.Comm (Commercial accounting) (Stellenbosch)

Derek Maas

Derek Maas

Business Analyst

B.Comm

Ferdie Gertze

Ferdie Gertze

Business Analyst

B.Acc

Nadine Solomons

Nadine Solomons

Portfolio Manager

National Diploma: Management

Pierre Fourie

Pierre Fourie

Credit Manager

B.Comm (Management)

Susan Pentz

Susan Pentz

Credit Manager

B.Comm (Hons)

Melinda Leib

Melinda Leib

Credit Manager

B.Comm

Celeste Bester

Celeste Bester

Financial Manager

B.Comm (Fin Acc)

Marelise Conradie

Marelise Conradie

Legal Manager

B.Comm (Legal)

Chani Liebenberg

Chani Liebenberg

IT Manager

B.Comm (Agric) (Hons)

Maree Nortje

Maree Nortje

Treasury Admin Manager

Marinda Huysamen

Marinda Huysamen

Compliance Manager

Jo-Ann Louw

Jo-Ann Louw

Compliance Official

Abigail Rhoda

Abigail Rhoda

Receptionist