For Food Manufacturers
Up to R5 million in working capital for South African food manufacturers winning bigger contracts — bridging retailer pay cycles, funding raw materials and packaging.
NCR Registered
NCRCP18413
Rapid Access
48h decision · 5-day disbursement
We fund established operators, not pre-revenue. South African food manufacturers trading 1+ year with R85k+ monthly revenue — supplying retailers, foodservice, or direct-to-consumer.
Ticket
Up to R5,000,000
SLA
48h decision · 5-day disbursement
Repayment
Daily, weekly, monthly
Regulator
NCR · NCRCP18413
As Seen On
Complete your application in under 10 minutes.
Get a fast decision with transparent terms.
We pay your suppliers directly per invoice.
INV-001 — Fresh Produce Co.
R85,000
INV-002 — AgriSupply Ltd
R120,000
INV-003 — PackTech SA
R45,000
Adjust the amount, term, and repayment frequency to match your cycle.
Important: Indicative quote only. Final terms vary based on credit assessment. Origination fee is 2% of the principal for first-time clients and is capitalised — added to your loan balance so it's repaid across every instalment, not deducted from the amount you receive.
Total Repayment
R0
Loan Amount
R0
Fee (capitalised)
R0
Total Interest
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Instalment
R0
This is what your repayment would look like against your retailer settlement cycle. The next step is a quick conversation with Pumpkn AI.
Representative example (NCA s.92)
On a R250,000 facility over 6 months for a first-time client, the 2% origination fee (R5,000) is added to your loan balance, bringing it to R255,000. You repay that over 6 monthly instalments of R47,072 each, with 3% per month interest on the reducing balance. Total repayment: R282,430. Total cost of credit: R32,430 — the R5,000 origination fee plus R27,430 in interest over the term. Final terms depend on risk profile and are confirmed in a non-binding offer. T&Cs apply; illustrative example only, not a credit offer.
Pumpkn does not provide financial advice. For advice, consult an authorised FSP.
We fund food manufacturers, not everyone. We speak in production runs, retailer settlement cycles, and SKUs — not generic SME jargon.
Preliminary decision within 48 hours. Full disbursement within 5 business days of complete documentation. Your retailer window doesn't wait for a credit committee — we don't either.
We read the operation, not just the bureau score. Banks see risk; we see what a manufacturer with retailer POs actually does.
Featured story
"They're reliable, fast, and once they understand your needs, they make you feel like a priority."
Revenue quadrupled. Shoprite KZN listed the paste range. Four new hires. 25 staff in a 544m² facility. Working capital funded the production runs behind every milestone.
Exotic Taste
Sauce and paste maker supplying national retailers
GelaToh
Gelato brand scaling from 2 to 12 flavours
"Pumpkn's loan process was efficient and seamless. Short-term financing prevented production disruptions and supply issues."
Scaled from 2 to 12 flavours at 36 tubs/hour while bridging 30–60 day retailer payment terms.
Forage
Fresh produce supplier to hospitality venues
"Pumpkn understood our challenges immediately. Their support didn't just help us survive — it put us in a position to scale with confidence."
Repeat working capital funds the upfront buy-cycle when banks won't. Hired an Operations Controller, on track to double revenue by 2026.
A quick self-check before the conversation. Five simple criteria — built around the operational shape of an established food manufacturer.
I operate a business in agriculture, food, retail or a related sector
My business is registered with CIPC
I am a director of the business
My business has been trading for at least 12 months
My monthly average turnover is at least R85,000
Yes — that's exactly what contract financing is for. Share the PO with us and we'll structure funding to cover raw materials, packaging and labour ahead of the run, with repayment timed to when the retailer settles.
Preliminary decision within 48 hours of receiving your application; full disbursement within 5 business days of complete documentation. Six weeks is plenty of runway. Start the conversation now and we'll work backwards from your production start date.
That's the standard pattern — and it's why invoice financing exists. We bridge the gap between when you deliver and when the retailer settles, so your cash flow doesn't stall waiting for Pick n Pay, Shoprite or Woolworths to pay.
We need a minimum of 12 months trading history so we can read the cash-flow pattern of your operation. If you've just crossed that line and you're already supplying retailers, you're in.
Yes. A single facility can cover everything that hits your cost of goods — raw materials, packaging, labels, freight. We'll structure it around the production run, not against arbitrary categories.
Management accounts are enough. Audited financials help if you have them but aren't required. We rely most heavily on six months of business bank statements plus your retailer POs and invoices — that's where the real signal lives.
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 production operation.
Article
How to fund a production run before the retailer settles.
Article
Bridge 30-60 day retailer pay cycles without restructuring your operation.
Growth story
From a 544m² facility to retailer shelves with cycle-matched working capital.
Growth story
Capacity expansion funded against confirmed retailer orders.
Start the conversation. Preliminary decision within 48 hours; disbursement within 5 business days. Reasons either way.