Our Financing division was established to assist our clients with the financing required to grow and expand their enterprises.

We understand that each client is unique and consequently has their own unique financing needs.

The Financing division strives towards a professional, quick and quality service to all our clients. We provide a range of products which includes seasonal facilities, monthly accounts, forestry loans and asset finance.

The Credit Department strives to deliver a world-class service that reflects professionalism and effectiveness to all our TWK clients.

The following range of products are available:

Month Facility

Monthly accounts are offered to qualifying clients for the purchase of products at any TWK Trading branch. Such purchases are interest-free provided that accounts are settled within 30 days from the date of statement.

Production Facility (Seasonal Facility: Winter & Summer)

The Credit Department offers winter and summer facilities to qualifying clients for a maximum period of one year. The facility is granted for the purchase of production resources, insurance premiums (provided that the insurance is arranged by TWK), and services rendered. 

Deferred Payment Arrangement Facility

This is an interest-free facility offered to qualifying clients extended over a maximum of a six-month period. It allows clients to purchase selected products like fertiliser at TWK branches at current prices, while payment is made at a predetermined future date.

Forestry Loan Facility

Forestry loans are designed to assist qualifying clients with the establishment, re-establishment and conservation of plantations. The loan can be granted for periods ranging from one year to a maximum period of 10 years.

Term Loan Facility

This mortgage loan is used to finance the purchase of agricultural property/farms or capital improvements (such as buildings, dams, etc.). The amount of the loan is linked to the market valuation of the property to be mortgaged as security, your level of indebtedness and the extent to which you are able to repay the loan. Minimum loan amount of R250,000 applies with a maximum repayment periods of 10 years.

Asset Financing Facility

For the financing of movable and expensive capital assets for a maximum period of 60 months. Assets can include vehicles, implements, tractors, dairy equipment and machinery.