Long-Term Loans

Purchase of land/property

Agricultural long-term assets

Acquisition of equipment and infrastructure

Terms: up to 25 years / monthly / quarterly / six monthly / annual

Security: first bond over property

Medium-Term Loans

Finance  perennial crops

Equipment and infrastructure

Movable assets and livestock

Terms: up to 15 years / monthly / quarterly / six monthly / annual

Security first bond on property or other

Short-term

Agricultural input cost, working capital crop/livestock

Max 5 years annual review

Security: Property or other

Terms: annually when proceeds received

Asset Finance

Vehicles, tractors, equipment and other movable assets

Terms: up to 12 years depending type of asset payable, monthly / quarterly / six monthly / annual

Revolving Credit

For feedlot, cash crops, poultry, piggeries, agro-processing

Terms: max  5 years, revolving annually payable based on income stream

Security: Property, session debtors, stock, harvest and guarantees

Value Chain Finance

Cultivation under contract for processing

Terms: Revolving on annual base for contract renewal

Security: cession of proceeds

Security: comprehensive insurance and additional security

Insurance: Farming assets

Insured against fire floods, theft, hail, frost, natural disaster, life cover