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.

In April 2021, we were successful in raising R1 billion on the capital markets through our short-term securitization structure, Capital Harvest Warehouse SPV (RF) (Pty) Ltd. In December 2021 we launched our long-term securitization structure, Capital Harvest Finance (RF) Limited (the notes issued under this structure have a formal investment rating and are listed on the Cape Town Stock Exchange) and were successful in raising a further R1 billion. The funders of the two structures are Stanlib, Futuregrowth, Momentum, Taquanta, Ashburton, Vunani and Sanlam. We will continue to raise funding in these structure to support the growth in the Capital Harvest debtor book.