For Farmers and Agribusinesses
Up to R5 million in working capital for established South African farms and agribusinesses. Built for multiple crop cycles, aggregation, and light processing operations.
NCR Registered
NCRCP18413
Rapid Access
48h decision · 5-day disbursement
We fund established operators, not pre-revenue. South African farms and agribusinesses trading 3+ years with R85k+ monthly revenue — farming (excl. grains and maize), produce aggregation, light processing.
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
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Loan Amount
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Fee (capitalised)
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Total Interest
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Instalment
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This is what your repayment would look like. The next step is a quick conversation with Pumpkn AI to confirm it fits your business.
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 Farmers and Agribusinesses, not everyone. We speak in cycles, offtakes, and pack-out rates — not generic SME jargon.
Preliminary decision within 48 hours. Full disbursement within 5 business days of complete documentation. Your planting window doesn't wait for a credit committee — and we don't either.
We read the operation, not just the bureau score. Banks see risk; we see what an established Farmer or Agribusiness actually does.
Featured story
"Pumpkn offers a funding experience that is quick, easy and dependable. Their understanding of agriculture makes them invaluable."
When delayed customer payments threatened the season, Pumpkn's ag-fluent underwriting kept fertiliser and pest control on time — and the planting schedule on track.
Fafa Green Veggies
Midvaal vegetable farm
Ikhwezi Agro
Vegetable trader expanding into sugar cane
"Pumpkn has been more than just a lender — they've been a partner in my growth."
Built on existing IDC funding to expand vegetable trading and launch a sugar-cane production line. Offence, not defence.
VT Harvests
Tunnel-farm operator scaling produce supply
"Pumpkn's short-term loans have been exactly what I needed to keep my operations running smoothly."
A series of short-term loans matched to cash flow — each repayment unlocked the next, financing growth in step.
A quick self-check before the conversation. Five simple criteria — built around the operational shape of an established Farmer or Agribusiness.
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 3 years
My monthly average turnover is at least R85,000
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. The structure depends on how the two activities interact in your operation. Contract or invoice financing usually covers the aggregation side neatly, while supplier financing handles your own inputs. We'll figure out the cleanest fit 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 contract financing, 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.
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Every loan you repay well unlocks better terms next time.
Growth story
How a market-day operator grew stronger with cycle-matched funding.
Growth story
Inputs paid on delivery, repayment matched to the offtake schedule.
Start the conversation. Most decisions land inside a week, with reasons either way.