Fuel Your Growth with

up to R5 Million in Funding

Simple, Fast & Flexible
Financing For Businesses Like Yours.

Take The First Step
Your Partner in Growth, Every Step of the Way
Pumpkn is more than a lender – we're your SME finance partner.
We provide the funds you need to navigate short-term hurdles and invest in your long-term vision. Join the growing community of South African businesses who trust us to fuel their success.
Up to R5 Million
in funding
Flexible Repayment Terms
1-18 months
Lightning-Fast
application process
Why Choose Pumpkn?
Are you tired of facing roadblocks with traditional lenders? We get it.
That's why Pumpkn is here to champion South African SMEs like yours.
We see your potential, and we're ready to invest in your vision – even when others won't.
Get Funded
We Grow With You
Our funding ladder is designed to support your business as it grows.
Starting with us?
No worries! We're here to help you take those first steps. Access your initial funding with minimal fuss and maximum support.
Gaining Momentum?
Let's keep the ball rolling! As your business grows, unlock larger loan amounts and enjoy more flexible terms as you prove your reliability.
Join to Unlock
Ready to Scale?
You've shown us what you're capable of, and we're ready to invest in your success. Access executive-level financial options tailored to your needs and take your business to new heights.
Join to Unlock

Starting with us?

No worries! We're here to help you take those first steps. Access your initial funding with minimal fuss and maximum support.

Gaining Momentum?

Let's keep the ball rolling! As your business grows, unlock larger loan amounts and enjoy more flexible terms as you prove your reliability.

Ready to Scale?

You've shown us what you're capable of, and we're ready to invest in your success. Access executive-level financial options tailored to your needs and take your business to new heights.

As you successfully repay your first loan and share a bit more about your business, you'll unlock the opportunity to access larger funding amounts, fuelling your continued growth.

Keep paying back on time and sharing insights into your journey, and you could access the capital you need to fulfil your potential.
Bridge the Gap with Supplier Financing

Don't let a temporary cash shortage slow you down.
Get up to 60 days to pay your suppliers, giving you breathing room to manage your cash flow.

  • Funding Amount

    R20,000 to R100,000
  • Repayment Term
    Up to 60 days
  • How it Works
    Submit your invoice, pick up your goods, and pay us back later.
Secure Funding to Deliver

Don't miss out on growth opportunities due to lack of capital. Get the funds you need to fulfil your contract and grow your business.

  • Funding Amount

    R100,000 to R5,000,000
  • Repayment Term
    Up to 180 days
  • How it Works
    Grow your business, take on bigger projects, repay when you get paid.
Get Your Cash Flowing

Don't let unpaid invoices hold your business back. Our invoice financing turns your outstanding invoices into immediate cash, so you can keep your operations running smoothly.

  • Funding Amount

    R50,000 to R5,000,000
  • Repayment Term
    Up to 180 days
  • How it Works
    Improve cash flow and pay us back when you get paid.
Financing New Equipment Has Never Been Easier

Whether it's new equipment, or technology, asset financing makes it possible to acquire the tools you need to expand and thrive.

  • Funding Amount

    R50,000 to R300,000
  • Repayment Term
    Up to 18 months
  • How it Works
    Upgrade your equipment, increase productivity, and make affordable monthly payments.
Short on Cash?
Landing a Big Contract?
Waiting on Invoice Payments?
Ready to Expand?

Financing Made Simple

Pumpkn is here to champion South African SMEs like yours. We see your potential, and we're ready to invest in your vision – even when others won't.

Kickstart Your Growth

Get Started In 3 Easy Steps

We've designed our application process to be as quick and straightforward as possible so you can focus on what matters most – growing your business.

Apply Online:

Share Your Business Story

Tell us about your business, its goals, and how our financing solutions can help you achieve them. Our user-friendly online application takes less than 10 minutes to complete.

Get Approved:

Fast and Fair Assessment

We'll swiftly assess your business's potential using our cutting-edge technology and experienced credit team. Expect a decision fast, and rest assured - we'll keep you informed every step of the way.

Access Your Funds:

Fuel Your Growth

Once approved, simply submit your supplier quotes or invoices. We'll then pay your vendors directly within 24 hours.

1. Apply Online

Share Your Business Story

Tell us about your business, its goals, and how our financing solutions can help you achieve them. Our user-friendly online application takes less than 10 minutes to complete.

2. Get Approved

Fast and Fair Assessment

We'll swiftly assess your business's potential using our cutting-edge technology and experienced credit team. Expect a decision fast, and rest assured - we'll keep you informed every step of the way.

3. Access Your Funds

Fuel Your Growth

Once approved, simply submit your supplier quotes or invoices. We'll then pay your vendors directly within 24 hours.

Find Out More

Your Success is Our Success

We'll assess your situation, not just your credit score, and provide the funding you need to get growing. Pay us back, and you'll unlock even more financial opportunities as you grow.

Get Funded

Your Success is Our Success

We'll assess your situation, not just your credit score, and provide the funding you need to get growing. Pay us back, and you'll unlock even more financial opportunities as you grow.

Get Funded
Welcome to the Pumpkn Community

What our clients say

Rhulani Chauke

Owner & Director, Conza's Biscuits

"Pumpkn has been the perfect funding partner for my growing business. The loan application process is simple, and their team provided excellent advice on the best funding solutions for our needs. Their idea of a 'Funding Ladder' and their network of lending partners is an exciting approach to progressively accessing larger funding as our business grows."

More Testimonials

Rhulani Chauke

Owner & Director, Conza's Biscuits

“I was impressed by how easy it was to secure a loan with Pumpkn. The terms were fair, and the interest rates were competitive. This service truly understands the needs of business owners. Highly recommend!”

Need Help?

One of our friendly Pumpkns will call you back.

Lekker! We've got your message. We'll be in touch shortly. Keep your phone handy.
Oops! Something went wrong while submitting the form.
We Provide Finance Solutions for  All Your Business Needs

No matter where you are in your business journey, we have the right financing to fuel your growth.

Short on Cash? Bridge the Gap with Supplier Financing

Don't let a temporary cash shortage slow you down. Get up to 60 days to pay your suppliers, giving you breathing room to manage your cash flow.
Qualify for a loan
R5,000 to R50,0000
Qualify for a loan
Up to 60 days
Qualify for a loan
Submit your invoice, pick up your goods, pay later
Apply Now

Landing a Big Contract? Secure Funding to Deliver.

Don't miss out on growth opportunities due to lack of capital. Get the funds you need to fulfil your contract and grow your business.
Qualify for a loan
R500,000 to R5,000,000
Qualify for a loan
Up to 180 days
Qualify for a loan
Grow your business, take on bigger projects, repay when you get paid.
Apply Now

Waiting on Invoice Payments? Get Your Cash Flowing.

Don't let unpaid invoices hold you back. We turn your outstanding invoices into immediate cash, so you can keep running smoothly.
Qualify for a loan
R50,000 to R5,000,000
Qualify for a loan
Up to 180 days
Qualify for a loan
Improve cash flow and pay us back when you get paid.
Apply Now

Ready to Expand? Financing Equipment Has Never Been Easier.

Whether it's new equipment, or technology, asset financing makes it possible to acquire the tools you need to expand.
Qualify for a loan
R50,000 to R300,000
Qualify for a loan
18 months
Qualify for a loan
Upgrade your equipment, increase productivity, and make affordable monthly payments, including insurance. 
Apply Now
Our Value Proposition

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

No paperwork. No lengthy 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 Started In 3 Easy Steps

We've designed our application process to be as quick and straightforward as possible so you can focus on what matters most – growing your business.

Qualify for a loan

Apply Online: Share Your Business Story 📝

Tell us about your business, its goals, and how our financing solutions can help you achieve them. Our user-friendly online application takes less than 10 minutes to complete. 
Apply for a loan online

Get Approved: Fast and Fair Assessment ✅

Our  algorithm, combined with our credit team expertise, will quickly assess your business's financial health and growth potential. You'll receive a decision within 5 business days. Don’t stress–we'll keep you informed every step of the way.
Access your loan

Access Your Funds: Fuel Your Growth 🚀

Once approved, simply submit your supplier quotes or invoices. We'll then pay your vendors directly within 24 hours.
Apply Now
Apply with your bank statements

Works for all major SA Bank accounts

Questions

Frequently asked questions

What types of financing does Pumpkn offer?
FAQ Loan

We specialise in financing for agriculture and food processing businesses. This includes:
- Working Capital: To cover daily expenses, unexpected costs, or seasonal fluctuations.
- Asset Finance:
To purchase equipment, machinery, or other assets to grow your business.

Is Pumpkn a registered Credit Provider?
FAQ Loan

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

What interest rates does Pumpkn charge?
FAQ Loan

Your interest rate will depend on several factors such as the the type of loan you choose, the length of your repayment term or your business's financial risk profile.
Applying and getting approved is free – you only incur charges when you accept a loan offer.

Does Pumpkn offer grant funding?
FAQ Loan

No, we do not. All our loans involve interest or fees and must be repaid according to the agreed schedule.

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

Yes, you'll need a registered and compliant business and at least six months of bank statements.

Do I need to own land or property to qualify?
FAQ Loan

Not necessarily. Many of our loans are unsecured, meaning you don't need to put up property as collateral.

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

You'll need:
- A registered business.
- At least R500,000 in annual revenue.
- Six months of bank statements.
Additional requirements may apply depending on your chosen loan and your business's risk profile.

How do I apply?
FAQ Loan

Explore our financing options on this page. Click "Apply Now" or "Get Approved For Free." Follow the simple online instructions – it takes less than 10 minutes!

How do I access funds if I'm approved?
FAQ Loan

Once approved, simply submit your supplier invoices, and we'll pay them directly within 24 hours. We generally don't deposit funds directly into your bank account.