Equipment finance for South African farmers. The machine pays for itself over time.

Movable machinery that does work on your operation — irrigation systems, borehole and irrigation pumps, generators, solar systems, cold storage and refrigeration units, packhouse sorting and grading equipment, scales, packaging and processing lines, balers, milking equipment, poultry climate equipment, greenhouse equipment and forklifts. If your machine isn't on that list, ask — the list is a guide, not a closed door.

No. Movable Asset Finance covers movable machinery only. Vehicles, land and buildings all fall outside it — that includes bakkies, trucks, road-going tractors and trailers, farmland, sheds, and cold rooms built into a structure. If that's what you're after, this isn't the right product and we'd rather tell you upfront.

The company director needs to be a South African citizen or a permanent resident. If that's not you, there are two routes: another director who is a citizen or permanent resident applies on behalf of the company, or the business puts up a South African sponsor. Without one of those, we can't proceed.

It means the machine itself stands behind the funding. You use it from day one and it works on your operation as normal, but until the funding is repaid, Pumpkn holds a claim over that machine. If repayments stop, we can recover the machine rather than come after the rest of the business. That's the trade — it's why we can fund a bigger ticket than an unsecured advance, and why we don't need a bond over your land.

The working capital advance funds the running of the business — inputs, stock, a gap between paying suppliers and getting paid — and isn't tied to a specific item. Movable Asset Finance funds one specific machine, and that machine secures the funding. See working capital for farmers and agribusinesses if that's the closer fit.

Machinery your business already owns can be used to secure funding, as well as machinery you're buying. Either way the machine has to be movable, and we'll want to see what it is and what it's worth. Start the conversation and we'll tell you quickly whether it works.

Under R500,000 (ex VAT): a signed application form, 3–6 months' bank statements, the supplier quote, FICA documents and a short motivation. Over R500,000 (ex VAT) we also ask for 6 months' bank statements, your latest annual financial statements and management accounts, and — above R1m — a fixed asset register and debtors and creditors ageing. The full checklist is further up this page.

From R50,000 up to R5,000,000. What you actually qualify for depends on the machine, what your numbers support, and how the operation runs — not just on what you'd like to spend.