If your business meets these simple criteria, you are eligible to apply. We fund registered South African SMEs with steady monthly revenue and at least 12months of trading history.
Registered with CIPC
A Director of the business
Trading for at least 12 months
Monthly turnover of R50K or more
We keep eligibility simple, if your agri or food-processing business meets the basics below, you can apply online in minutes and get a quick decision.
Agricultural, food, retail or related business
Registered with CIPC (no sole proprietorship)
A director of the business
Business in trade for at least 12 months
Monthly turnover of at least R85,000 (or R1 million per year)
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To qualify, your business must be CIPC-registered, have a business bank account, and have traded for at least 1 year (food businesses) or 3 years (agri businesses). You’ll also need a minimum annual turnover of R1m.
We’ll need a copy of the business owner’s ID, your CIPC registration document, and 6 months of recent business bank statements. You’ll also complete our quick onboarding form to get started.
Our loans are designed to help established agri and food businesses manage cash flow and support growth. They can be used for working capital, stock purchases, or day-to-day expenses.
Unfortunately not at this stage - we don’t fund startups, offer grants, or finance long-term purchases like land or motor vehicles. Our loans are strictly commercial and carry standard fees.
Once we’ve received your documents and completed our review, approved businesses can typically access funding within a few business days.
Not necessarily. Many of our loans are unsecured, meaning you don't need to put up property as collateral.
You'll need:
- A registered business.
- At least R500,000 in annual revenue.
- Six months of bank statements.
Additional requirements may apply depending on your chosen loan and your business's risk profile.
Explore our financing options on this page. Click "Apply Now" or "Get Approved For Free." Follow the simple online instructions – it takes less than 10 minutes!
Once approved, simply submit your supplier invoices, and we'll pay them directly within 24 hours. We generally don't deposit funds directly into your bank account.
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Don't let a temporary cash shortage slow you down.
Get up to 60 days to pay your suppliers, giving you breathing room to manage your cash flow.
Don't miss out on growth opportunities due to lack of capital. Get the funds you need to fulfil your contract and grow your business.
Don't let unpaid invoices hold your business back. Our invoice financing turns your outstanding invoices into immediate cash, so you can keep your operations running smoothly.
One of our friendly Pumpkns will call you back.
The Heritage Firestation
16 Baker Street
Rosebank
Johannesburg
2193
Meet Pumpkn, the financial partner you can bank on.
The Heritage Firestation
16 Baker Street
Rosebank
Johannesburg
2193
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© 2025 AG Digital Ventures (Pty) Ltd. t/a Pumpkn.io. All rights reserved. AG-Digital Ventures (Pty) Ltd. t/a Pumpkn.io is a registered Credit Provider in terms of the National Credit Act.National Credit Regulator registration number NCRCP18413
