Machinery finance for South African food manufacturers. Add the capacity before the contract lands.

Movable machinery used in production — production line equipment, packaging and labelling machines, bottling and canning lines, ovens and industrial mixers, refrigeration and cold storage units, conveyor systems, water treatment systems, quality-control and testing equipment, and generators. If your equipment 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 fall outside it — that includes delivery bakkies, refrigerated trucks and trailers, premises, factory extensions, and walk-in cold rooms built into a structure. If that's what you need, this isn't the right product and we'd rather say so 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 equipment itself stands behind the funding. You run it from day one, but until the funding is repaid, Pumpkn holds a claim over that equipment. If repayments stop, we can recover the equipment 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 security over your premises.

The working capital advance funds the running of the business — raw materials, packaging, the gap between producing 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 food manufacturers if that's the closer fit.

Equipment your business already owns can be used to secure funding, as well as equipment you're buying. Either way the asset 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 equipment, what your numbers support, and how the business runs — not just on the size of the quote.