African Harvest Capital
- Company typePrivate
- Founded2006
- HeadquartersStellenbosch, South Africa
- Headcount1–10
- GTM typeB2B
- OfferingServices
What African Harvest Capital does
Capital Harvest (doing business as African Harvest Capital) is a niche agriculture finance company headquartered in Stellenbosch, South Africa. Founded in 2006 by Faans Roos and Johan du Toit, the firm became the first independent financier focused solely on agriculture following a 2010 management buy-out from a listed group. It provides bespoke financial solutions to the primary and secondary South African agriculture markets through three core products: term loans of up to 15 years for farmland, immovable assets and expansions; revolving credit facilities (overdraft-style) reviewed annually with 24-hour fund transfer; and instalment sale agreements of up to 60 months for moveable agriculture assets. Repayment schedules are structured to match cash flow generated by underlying crops, a capability commercial banks are described as unable to match.
The company distributes exclusively through direct relationship management, employing 22 qualified personnel across credit, risk, compliance, legal and operations. Funding is sourced via two wholly-owned securitization vehicles: Capital Harvest Warehouse SPV (RF) (Pty) Ltd (unrated, unlisted; R1 billion raised April 2021) and Capital Harvest Finance (RF) Limited (rated, listed on the Cape Town Stock Exchange with a R10 billion note program and R1.4 billion raised to date). Institutional funders include Futuregrowth, Stanlib, Momentum, Liberty, Sanlam, Ashburton, Aluwani, Prescient, Vunani and Taquanta. The firm manages approximately R3 billion in agriculture debt and serves enterprise and mid-market clients across dairy, fresh fruit, vineyards, orchards and broader farming operations, with ongoing quarterly investor reporting and annual financial statements through 2025.
African Harvest Capital firmographics
Firmographics- Name
- African Harvest Capital
- Legal name
- Capital Harvest
- Website
- https://capitalharvest.co.za
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
African Harvest Capital industry classification
Industry- Product category
- Agriculture Finance
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Asset-Backed Securities (6189), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where African Harvest Capital is headquartered
LocationHeadquarters
- HQ city
- Stellenbosch
- HQ country
- South Africa
- HQ region
- Africa
Offices1 record
Markets served
African Harvest Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Agriculture Term Loans: Term loans with repayment terms of up to 15 years for financing farmland, immovable assets and expansions/improvements. Structured innovatively to match repayment ability with cash flow generated by underlying crops.
- Revolving Credit Facilities: Revolving credit facility operating similar to an overdraft, made available according to client cash flow needs. Reviewed annually with funds transferable within 24 hours upon request.
- Instalment Sale Agreements: Financing for all agriculture related moveable assets with repayment terms of up to 60 months.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Bespoke financing products tailored to individual client needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
African Harvest Capital product offering
Product offeringCore offering
African Harvest Capital is a niche agriculture finance company providing bespoke lending products to the South African primary and secondary agriculture markets. Its core offerings are term loans (up to 15 years) for farmland, immovable assets and expansions; revolving credit facilities (overdraft-like, reviewed annually with 24-hour fund transfers); and instalment sale agreements (up to 60 months) for agriculture-related moveable assets. The company funds its lending book via two securitization vehicles — an unlisted warehouse SPV and a rated listed note program on the Cape Town Stock Exchange.
Product overview
Capital Harvest is a niche agriculture finance company offering a portfolio of bespoke financial products designed specifically for the agriculture sector. The core product suite includes Term Loans (up to 15 years for farmland and immovable assets), Revolving Credit Facilities (operating like overdrafts with annual review), and Instalment Sale Agreements (up to 60 months for moveable assets). The company operates two securitization structures: Capital Harvest Warehouse SPV (RF) (Pty) Ltd (unrated, unlisted) and Capital Harvest Finance (RF) Limited (rated, listed on the Cape Town Stock Exchange with a R10 billion note program) to raise capital markets funding. Clients access services through a dedicated Client Portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Agriculture Term Loans Long-term term loans for farmland, immovable assets and expansions/improvements with repayment terms of up to 15 years; structured to match repayment ability with cash flow generated by underlying crops. Targeted at primary agriculture enterprises across South Africa.
- Revolving Credit Facilities Revolving credit facility operating similar to an overdraft, made available according to client cash flow needs, reviewed annually with funds transferable within 24 hours upon request. Targeted at secondary agriculture and working-capital needs.
- Instalment Sale Agreements Financing for agriculture-related moveable assets with repayment terms of up to 60 months. Targeted at secondary agriculture customers requiring equipment and moveable-asset financing.
- Capital Harvest Warehouse SPV (RF) (Pty) Ltd Unrated, unlisted securitization structure used to raise capital markets funding for Capital Harvest's agriculture lending operations. Raised R1 billion in April 2021 as a strategic funding diversification move.
- Capital Harvest Finance (RF) Limited Rated, listed securitization structure registered with the Cape Town Stock Exchange with a R10 billion note program; raises debt capital markets funding to support agriculture lending. First note subscription raised R1.067 billion, oversubscribed by 1.8 times.
- Client Portal Secure online portal where existing Capital Harvest clients can access their accounts and manage their finance facilities.
Quantifiable outcome
- Market beating turn-around time for finance application approvals
- +1 more outcomes
Companies that use African Harvest Capital
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
African Harvest Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
African Harvest Capital partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights4 records
African Harvest Capital competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
African Harvest Capital social profiles
Digital presenceAfrican Harvest Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
African Harvest Capital leadership team
Management profileNumber of profiles
Profiles7 records
African Harvest Capital subsidiaries and ownership
Company hierarchySubsidiaries2 records
African Harvest Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
African Harvest Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about African Harvest Capital
What does African Harvest Capital do?
African Harvest Capital is a niche agriculture finance company providing bespoke lending products to the South African primary and secondary agriculture markets. Its core offerings are term loans (up to 15 years) for farmland, immovable assets and expansions; revolving credit facilities (overdraft-like, reviewed annually with 24-hour fund transfers); and instalment sale agreements (up to 60 months) for agriculture-related moveable assets. The company funds its lending book via two securitization vehicles — an unlisted warehouse SPV and a rated listed note program on the Cape Town Stock Exchange.
Is African Harvest Capital a public or private company?
African Harvest Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was African Harvest Capital founded?
African Harvest Capital was founded in 2006. It employs 1 to 10 people.
Where is African Harvest Capital based?
African Harvest Capital is headquartered in Stellenbosch, South Africa, in the Africa region.
How does African Harvest Capital make money?
Three revenue lines are on record. Agriculture Term Loans are the primary driver. The others are revolving Credit Facilities and instalment Sale Agreements.
Does African Harvest Capital have an API?
No public API is recorded for African Harvest Capital.
What industry is African Harvest Capital in?
African Harvest Capital's product category is Agriculture Finance. Its primary akta.pro industry code is FSABAKAE, Agricultural & Rural Development Banks. Its NAICS code is 522110 and its SIC code is 6021.