Precision Finance, Smarter Farming.
Customized terms. Precision farming support. Built for a transforming farming business in the age of technological and marketing disruptions.
Supported by and in partnership with Leading Institutions
(Pty) Ltd
(Pty) Ltd
(Pty) Ltd
& Development Office
UK Government
Built for Fresh Fruit Farming
We are a non-bank financial intermediary firm designed to support the financial needs of small and medium-sized fresh fruit farmers targeting global markets.
Meaningful Socio-Economic Impact
AFF’s mission is to focus on socio economic impact through job creation and promotion of sustainable agri and agro-processing businesses.
Technical, Precision Farming and Business Management Support
Together with our technical partners, Agri Farming Services and others, AFF offers operational and technical support to underpin client success.
Distribution and Export Support
In collaboration with In2Fruit or any other accredited export agents, AFF provides clients professional support for distribution of fruits to appropriate markets.
Two Funding Options
One goal: your success.
Annual Production Finance
Working capital for your seasonal needs. Chemicals, fertilizer, labour costs and other operational costs — covered. Repay after harvest when your cash flow peaks.
- Streamlined approval
- Harvest-aligned repayment
- Competitive risk-adjusted rates
What is Production Finance?
Production Finance provides working capital to cover the costs of your seasonal farming operations. From purchasing chemicals and fertilizer to paying for labour and equipment maintenance, this facility ensures you have the funds needed to maximize your harvest potential. AFF's focus currently is on citrus, table grapes and avocado farming.
Who is it for?
This product is ideal for established farmers who need seasonal financing to cover operational costs. Whether you're growing crops, managing orchards, or running livestock operations, Production Finance aligns repayment with your harvest cycle.
Medium Term Development Funding
Ready to scale? Fund expansion, equipment, and infrastructure. Build the farm you've always envisioned.
- 3-5 years term
- Equipmen and machinery financing
- Land expansion funding
- Technical, operational support if needed
- Structured repayment options
What is the Medium Term Development Funding?
This type of funding is designed for farmers looking to expand and improve their operations. Whether you're purchasing new equipment, expanding your hectares, or investing in infrastructure like irrigation systems or netting, this medium-term facility provides the capital you need to grow.
Who is it for?
This product is ideal for established farmers ready to take their operations to the next level. If you have a solid track record and a clear vision for expansion, the Medium Term Development Funding can help you achieve your goals.
Apply. Assess. Funded.
From application to funding in less than three months.
Assessment
Each application undergoes two phases (screening and due diligence) to assess eligibility. We may reach out for clarification.
Get Approved
All applications assessed as eligible will receive funding term sheet with clear conditions.
Drawdown Funds
Drawdowns subject to completion of all terms and conditions stipulated in the term sheet.
What You'll Need
Prepare the following documents and information to complete your application smoothly.
Eligibility
- Based in South Africa
- Active Farming Operations
- Minimum three years in operation
- Valid title deeds
- Clear credit records
- Experienced management team
Required Documents
- Valid South African ID
- Proof of Farming Operations
- Three years of audited Financial Statements
- Bank Statements (6 Months)
- Land/lease agreement
Time Estimate
- Application pack submission – required documents
- Application screening phase 2-4 weeks turnaround
- Due diligence phase 2-4 weeks turnaround
- Legal execution phase 2-4 weeks turnaround
Need help? Contact our team
Ready to Grow?
Join South African farmers who've already discovered a better way to fund their operations.