Harvest-cycle revolver
Drawdown matched to planting and procurement; repayment indexed to harvest receipts. The facility breathes with the season instead of fighting it.
Beta coming soon
Credit that runs on harvest time.
Cycle-aware facilities for processors, aggregators, and supply-chain operators across the Philippines, Malaysia, and Indonesia. Repayment indexed to harvest, not the bank's quarterly calendar.
12 days
$250K – $15M
PH · MY · ID
Where the cycle breaks credit
Cycle-paced credit is rare; quarterly-paced credit is everywhere.
Processors, aggregators, and supply-chain operators move on harvest, not on the bank's quarter-end. Conventional credit fights the season — drawdown gates that ignore planting and procurement, repayment schedules that don't breathe with the harvest. We structure facilities that breathe with the season instead of fighting it.
Cycle-paced credit
Facilities that breathe with the season.
Agribusiness cash-flow is cyclical by construction. Our facilities are too — drawdown follows the field; repayment follows the harvest.
Receivables against aggregators
Confirmed receivables from regional buyers and primary processors. Discounted to verifiable invoice and shipment record.
Storage & inventory finance
Warehoused stock at certified storage with collateral-manager oversight. Advance-rate scaled to commodity-class liquidity and storage life.
Equipment & processing-line term
Mills, dryers, sorters, cold-chain. Perfected first-lien on the equipment, term-tenor matched to operating-life depreciation.
How the season starts
Four steps. Median twelve business days.
Pre-qual call · 45 min
Cycle, facility need, buyer mix, current banking. We map the facility shape against the season before opening a data room.
Data room + site visit
Production records, offtake contracts, storage and quality control, financials, equipment register. Site visit by an operator-side underwriter for facilities above $1M.
Indicative term sheet
Median 12 business days from data-room complete. Pricing references the cycle; covenants reference verifiable production and offtake.
Definitive docs · drawdown
Local-counsel-led closing. Drawdown timed to the next planting or procurement event so capital is in the field on day one.
Ready to talk?
Build with the season. Not against it.
Bring us your cycle. We'll size a line that breathes with the season.