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Get Finance for Your Agri-SME.
Simple. Fast. Easy.

Boost your cash flow during the season. Invest in your growth. Access financing from R5,000 to R5,000,000 for farming & agro-processing business.

Our Customers

Agri-SMEs across South Africa trust us to get funding.

At Pumpkn, we specialize in financing agriculture and agro-processing SMEs. Once approved, unlock a diverse range of finance solutions, from addressing short-term cash flow needs to investing in long-term growth.
Finance for Agribusiness

Finance options tailored to your agribusiness needs

Short-Term Input Finance

Get up to 60 days to pay for inputs from your preferred suppliers.
Qualify for a loan
R5,000 to R25,0000
Qualify for a loan
Up to 60 days
Qualify for a loan
Submit your invoice, pick up your goods, pay later
Qualify for a loan
Inputs, small equipment, packaging, others
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Purchase Order Finance

Unlock funding to fulfil a purchase order from a reputable buyer.
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R500,000 to R5,000,000
Qualify for a loan
Up to 180 days
Qualify for a loan
Pay back when you sell your production
Qualify for a loan
Inputs, services, labour. No cash
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Invoice Finance

Unlock the value of outstanding invoices. Get your cash flowing.
Qualify for a loan
R50,000 to R5,000,000
Qualify for a loan
Reputable, creditworthy buyer(s)
Qualify for a loan
Submit your invoice(s) for early payment
Qualify for a loan
Access funds within 24h
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Asset Finance

Acquire productive, moveable assets and grow your business.
Qualify for a loan
R50,000 to R250,000
Qualify for a loan
18 months
Qualify for a loan
Productive, moveable asset (no property/infrastructure)
Qualify for a loan
Monthly instalments, incl. insurance
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Our Value Proposition

The easiest, fastest way to secure finance for your agribusiness.

No paperwork. No lenghty waiting time. Obtaining finance is simple and easy. Apply online and receive approval within a maximum of 10 business days.
Funding for agriculture up to R5 million
Loan from 1 to 18 months
Apply for a loan in less than 10 minutes

Get approved for free in 3 steps

Qualify for a loan

Apply online

Sign up, identify your business, complete the application. Less than 10 minutes.
Apply for a loan online

Get approved

Our algorithm assists our credit team. Receive an offer within <10 business days.
Access your loan

Access your funds

Submit your quotes or invoices. Get them paid within 24h.
Apply Now
Apply with your bank statements

Works for all major SA Bank accounts


Frequently asked questions

What types of finance do you provide?
FAQ Loan

At Pumpkn, we offer and facilitate finance for businesses in agriculture or food processing. This finance comes in the form of working capital, used to cover operational expenses, and unforeseen costs, or as asset finance to expand through acquiring tools, machinery, or equipment.

Are you a registered Credit Provider?
FAQ Loan

Certainly, we are. Our company (Ag Digital Ventures (Pty) Ltd) is registered with the National Credit Regulator under the registration number NRCP18423.

What is the interest rate  you charge?
FAQ Loan

The interest rate depends on the type of loan (financial product), loan duration, and your business's risk profile. Applying and getting approval is free. You only incur charges when a loan is extended to your agribusiness.

Do you provide grant funding?
FAQ Loan

No, we do not offer grant funding. All our loans carry interest or fees and are repayable within the agreed timeframe. Failure to repay may negatively impact your credit score.

Do I need a registered business to apply for finance?
FAQ Loan

Yes, a registered and compliant business, along with bank statements, is required.

Do I need to own the land I farm or the property I operate on?
FAQ Loan

No, many of our loans are uncollateralized. This means we don't require you to own property or use it as collateral if you're unable to repay the loan.

What are the minimum requirements to apply for finance?
FAQ Loan

At a minimum, you need a registered business with a minimum annual revenue of R500,000 and six months of bank statements. Additional requirements may apply based on your loan type and your business's risk profile.

How do I apply for a loan?
FAQ Loan

Explore our available finance options on the relevant pages. When ready, click 'Apply Now' or 'Get Approved For Free' and follow the simple instructions. The process typically takes less than 10 minutes.

If approved, how do I access funds?
FAQ Loan

We generally don’t pay funds directly into your bank account. You will typically be required to submit your supplier invoices and Pumpkn will make payment to your suppliers within 24 hours.