Farming is cyclical, and we know that timing is everything. That’s why our financing options are designed to keep your operation running smoothly while helping you seize new opportunities. Your dedicated Relationship Manager will analyze your needs, offer tailored solutions, and guide you through a transparent application process with competitive rates and flexible repayment options.
Our lending solutions include:
Seasonal Finance
Cover input costs and day-to-day farming expenses with a flexible overdraft linked directly to your farm’s account. Repayment is structured around your harvest cycle, giving you the breathing room you need during the growing season.
Crop, Livestock & Infrastructure Finance
Access short-term loans of up to 5 years for essential farming needs, including annual inputs, livestock purchases, capital expenditures, and farm infrastructure upgrades that strengthen productivity.
Production & Expansion Finance
Secure long-term financing (5–10 years) designed for larger projects such as orchards, vineyards, herd expansion, and infrastructure like dairy units, poultry facilities, or packhouses, ensuring your farm can grow sustainably.
Property & Capital Improvement Finance
Invest in the future of your business with mortgage loans for farmland purchases, on-farm buildings, water dams, fencing, and other structural improvements. Flexible terms of up to 15 years are available to match your goals.
Commercial Credit Cards
Enjoy affordable, flexible credit tailored for farming businesses, giving you access to quick funds for operational needs, emergencies, and supplier payments with ease.
Movable Asset Finance
Finance the purchase of vehicles, machinery, and plant assets through our trusted partners, enabling you to modernize operations and maintain efficiency without heavy upfront costs.
Insurance-Linked Finance
Protect your investments with financing solutions that integrate insurance cover, ensuring that unexpected events such as drought, disease, or market shocks don’t derail your growth plans.
Green & Sustainable Farming Finance
Access funding for renewable energy systems, water-saving technologies, and climate-smart agriculture practices that reduce costs and promote long-term sustainability.
Export & Market Access Finance
Unlock opportunities to reach global and regional markets with financing for compliance, certifications, logistics, and export-related expenses, positioning your farm for international competitiveness.