Inputs paid on delivery. Buyers pay on terms. Working capital, between every cash gap.

Preliminary decision within 48 hours of receiving your application; full disbursement within 5 business days of complete documentation. If your window is tight, start the conversation now and we'll work backwards from your planting date. We won't promise an answer we can't deliver.

Yes – that's the point. We default to weekly repayments because they match the shape of farm and aggregation cash flow better than daily debit orders do. We'll sit down with your numbers and structure terms around when money actually lands, not a generic schedule.

Often, yes. A single advance can sit across both sides of the operation – the inputs for what you grow yourself, and the buying, grading and packing for what you aggregate. We size it to the combined cycle and how the two activities feed each other, rather than treating them as separate products. We'll work out the cleanest structure in the conversation.

Each director's ID and proof of address, your business CIPC registration document and its proof of address, and a minimum of 6 months of business bank statements (or a minimum of 12 months for any loan in excess of R500,000). For larger facilities, or where we're funding against a buyer contract, we'll also want to see the offtake agreement or aggregation supply arrangement.

A lease is fine, provided the term covers the funding period and you can show stable operation on it. We don't ask Farmers to own land to be fundable – what matters is that the operation runs reliably and the cash flow holds up.

Up to R5 million with terms up to 9 months, designed for input purchases and aggregation buying. What you qualify for depends on your cash flow, not just your appetite.

Unfortunately the applying director must be a South African citizen. If you are not a South African citizen but another director is, please ask them to apply on behalf of your company. Alternatively, you'll be required to have a guarantor. This ensures we can provide you with the right funding to help your business thrive.

The intake – telling us about your business, sharing your numbers, getting an indicative response – happens in the chat. Final assessment and disbursement involves a human on our side, because numbers don't capture everything about a real operation.

That gap is most of what we fund. A vegetable grower who banked a summer crop in March, and needs seedlings, fertiliser and planting labour paid by May, is exactly the shape of the advance. We size it to the cycle you're funding and set repayments around when money actually lands – weekly usually fits a farm better than a daily debit order.

We size it to your buying and packing cycle rather than to a single harvest: what you pay growers on collection, what packaging, grading and transport cost, and how long the retailer or market agent takes to pay you. If you run several buying cycles a quarter, the facility is built around that rhythm. There's more detail on how we fund aggregation and light processing.

No. We read what you grow and who buys it before we read a bureau score. A signed offtake, a buyer's purchase order, or twelve months of consistent deliveries to a market agent tells us more about whether you can repay than a number does. The score is one input into the decision, not the decision itself – and you don't need fixed assets to qualify.

We don't fund grain or maize production, or primary livestock farming. We don't fund land purchases either, and this advance is working capital rather than capex – it covers the operating cycle (inputs, aggregation buying, packing, and the wait before your buyer pays) rather than long-term assets. We also don't fund pre-revenue operations: you need at least three years of trading and R85,000 a month coming through.