From paying your suppliers in 48 hours, to bridging seasonal cash flow gaps, to making sure your entire operation is properly covered — Harvest AgriFinance is built around your business, not the other way around.
Whether you need your supply chain funded, a cash flow bridge, or better insurance cover — there's a Harvest solution built for it.
Pay your suppliers in 1–2 business days. Backed by your creditworthiness. Zero cost to anchor buyers.
Your production costs don't pause between seasons. Bridge the gap with fast, flexible finance.
Most agri businesses are under-covered where it counts. Our FSP broker changes that.
No complex integration. No lengthy approval chains. Just reliable, fast settlement for every approved invoice — from day one.
Your supplier delivers goods and raises a tax invoice at the full contracted price on your agreed payment terms.
The buyer reviews and confirms the invoice is valid and undisputed. Takes under 2 minutes. Irrevocable once issued.
Within 1–2 business days of approval, Harvest pays the supplier the full invoice value less the agreed discount.
On the original payment due date, the buyer pays Harvest the full invoice amount — unchanged from normal terms.
Buyers that purchase from multiple suppliers on 30–90 day terms
Producers and service providers invoicing buyers on extended payment terms
All figures on a R1,000,000 invoice over 90 days, including all fees. Like-for-like comparison.
| Option | 90-Day Total Cost |
|---|---|
| Invoice discounting (0.2%/day = 18% over 90 days) | R180,000 |
| Factoring at 5%/month (15% over 90 days) + fees | R156,500 |
| Factoring at 3%/month (9% over 90 days) + fees | R96,500 |
| ✓ Harvest AgriFinance — 4.35% over 90 days | R43,500 |
Sources: FundingHub SA (invoice discounting 0.1–0.3%/day); LoanRating SA 2025 (factoring 3–5%/month = 9–15% over 90 days). All bar costs include industry-standard setup fee R5,000 + admin R500/month. Harvest: 0.0483%/day × 90 days = 4.35% total, zero additional fees, 100% advance rate, no lock-in.
saved per R1M invoice vs standard factoring (90 days)
"I didn't realise how exposed we were until it was too late."
Generic insurance policies written for urban businesses routinely fail farmers, wine producers, and agri-exporters at the worst possible moment. Too much cover in the wrong areas. Critical gaps where it actually matters. And premiums that don't reflect the real risk profile of an agricultural operation.
Through our authorised FSP broker, Harvest AgriFinance arranges specialist agricultural insurance that's built around your specific operation — reviewed against current market rates so you're never paying a cent more than you should be.
Insurance arranged through our authorised FSP broker. Subject to underwriting assessment. Terms and conditions apply.
One review. Every policy your operation needs. Properly covered, properly priced.
"We needed R300,000 to cover labour during harvest. The bank wanted 6 weeks and 40 pages of documents."
Agricultural cash flow is seasonal by nature — but your costs aren't. Labour, inputs, logistics and overheads don't pause while you wait for your next payment cycle to close. A Harvest working capital facility bridges that gap without the bureaucracy, the branch visits, or the wait.
We structure the facility around your actual production cycle — not a generic repayment schedule designed for someone else's business. Tell us what you need, and we'll have an answer within days.
Subject to credit assessment and approval. Interest rates and admin fees apply. Credit insurance is required and can be arranged through our FSP broker.
Fast, flexible bridging finance built for agricultural production cycles.
Active in the Western Cape wine sector today, with a clear expansion roadmap into adjacent agricultural supply chains.
We're expanding our suite of agricultural financial services over the next three years. Register your interest early for priority access at launch.
Convert your outstanding customer invoices into immediate cash — without an anchor buyer programme. No waiting for your customers to pay.
Competitive foreign exchange conversion for agri exporters with USD, EUR, and GBP invoice flows. Partnered with a specialist FX broker.
Upload invoices, track approval status, view payment history and manage your programme — in real time, from any device.
Dedicated SCF programmes for citrus, soft citrus, and grain sectors — with 120–150 day invoice cycles ideally suited to supply chain finance.
Whether it's SCF, a working capital loan, an insurance review, or you just want to understand what's possible — reach out. We respond within one business day.