FREE STATE & LIMPOPO

VKB... your finance partner in agriculture

VKB Landbou (Pty.) Ltd is an Authorised Credit Provider NCRCP 477

As a registered credit provider and a leading agricultural company, VKB complies with the code of conduct of the National Credit Regulator (NCR). VKB is committed to prevent reckless credit and over-indebtedness and to put measures in place to manage consumer debt in the most feasible way with win-win agreements.

In order to provide credit to consumers in a responsible manner, VKB avoids over-indebtedness, conducts proper financial assessments to establish repayment ability and ensures that consumers understand the risk associated with taking up credit. The following aspects are taken into account when considering the granting of credit:

• Repayment ability and security
• Creditworthiness
• Stability
• Willingness
• Suitability

Benefits
The aim of financing provided by VKB is to enable producers to obtain input means and other agricultural requirements on credit with a view to producing agricultural products successfully and in a sustained manner. 

The benefits of financing by VKB consist of the following:

• Personal liaison, contact and visiting clients
• Financing solutions with support provided by experts
• Knowledgeable financing staff with many years' experience in agriculture
• Statements that are clearly set out and sent to our clients monthly
• Financing, deferred repayments and cash advances against silage grain
• No interest is charged on any credit card purchases in the month of purchase or in the month of payment
• A lower interest rate is levied on financing covered by preferred shares (members’ funds)
• Incentive discounts to shareholders based on business done with VKB
• Proof-free credit life assurance cover of R14 million per life
• Professional services in all of VKB's operating areas

Financing products
VKB is proud to offer our producers a variety of competitive and suitable financing products that are transparent, simple and all administered under a single global limit.

• Production loans
• Summer crops (payable on 31 August)
 Winter crops (payable on 31 March)
 Animal production credit (payable on 31 May)
• Short season account for produce (such as vegetables) that is produced in cycles over shorter terms
• Monthly accounts (payable 30 days after date of statement)
• Term loans (loans payable monthly, half-yearly or annually)
• Whole goods acquisition finance (four-year term for new equipment and three-year term for second-hand equipment; also repayable half-yearly or annually under certain circumstances)
• Contract growth financing (multi-risk insurance)

Information that must be supplied when applying for finance -
• Applicant’s latest financial information
• FICA information, i.e. proof of physical address, ID documents and registration as taxpayer as well as a VAT certificate. For juristic persons, the individuals concerned must also supply the public documents set out above.

Shareholding
Shareholding of VKB applies to all producers who are bona fide farmers, with a once-off cost of R5 000 which is refundable at termination of shareholding. Shareholding grants all producers full access to the various financing products for which they qualify. Added benefits of being a VKB shareholder include the following:


• Access to financing
• Incentive discounts in respect of transactions concluded with VKB
• Lower interest rates for financing against shareholders’ loans

 

Credit managers
Details of the Financing team are listed hereunder. For more information, you are welcome to contact the Credit Manager in your area:

 

VKB Free State

Nic van Stryp
Executive Manager: Financing
Tel.: 058 863 8339
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Gerhard Mostert
Senior Credit Manager (Free State)
Tel.: 058 863 8289
Cell: 082 921 3003
Fax: 086 519 3278
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Thinus Grobler
Credit Manager
Ward 1 - Reitz
Tel.: 058 863 8592
Cell: 082 875 3120
Fax: 086 675 2767
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Ferdie Roodt
Credit Manager
Ward 2 - Daniëlsrus, Bethlehem, Paul Roux, Kestell, Clarens, Fouriesburg
Tel.: 058 863 8216
Cell: 082 928 9802
Fax: 086 519 3274
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Kobus Strydom
Credit Manager
Ward 3 - Vrede, Memel, Cornelia, Woudzicht, Ascent, Noord Natal
Tel.: 058 863 8202
Cell: 082 871 3920
Fax: 086 519 3280
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

LR Klynsmith
Credit Manager
Wards 4 & 12 - Petrus Steyn, Heilbron
Tel.: 058 863 8532
Cell: 082 459 4234
Fax: 086 204 1490
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Adolf Botha
Credit Manager
Wards 5, 8 & 10 - Warden, Verkykerskop, Harrismith, Southern Natal, Villiers, Grootvlei, Balfour, Standerton, Morgenzon, Ermelo, Amersfoort
Tel.: 058 863 8207
Cell: 082 375 4387
Fax: 086 519 3247
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Dewalt Streak
Credit Manager
Ward 9 - Senekal, Lindley, Steynsrus, Bothaville
Tel.: 058 863 8578
Cell: 071 275 3525
Fax: 086 501 4853
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Rudi Nel
Credit Manager
Ward 6 & 7 - Frankfort, Tweeling, Oranjeville, Jim Fouche, Windfield
Tel.: 058 863 8216
Cell: 083 269 4034
Email:This email address is being protected from spambots. You need JavaScript enabled to view it.

Leon Bergman
Credit Manager
Ward 11 - Emerging producers Free State service area
Tel.: 058 863 8309
Cell: 073 847 8600
Fax: 086 518 4264
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Elmarie Kroon
Senior Credit Controller
Ward 99 - All non-members (All debtors who are not shareholders)
Tel.: 058 863 8534
Fax: 086 510 9318
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Phineas Molosi
Junior Credit Manager
Tel.: 058 863 8217
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

VKB Limpopo

Johan Wessels
Senior Credit Manager (Limpopo)
Tel.: 014 719 9270
Cell: 082 497 3526
Fax: 086 519 3277
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Kobus le Roux
Junior Credit Manager
Wards 31, 32, 37 & 45 - Alma, Nylstroom, Vaalwater, Tomburke, Ellisras, Tolwe, Marken, Baltimore, Outer areas
Tel.: 014 719 9105
Cell: 084 499 1226
Fax: 086 655 3852
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Warren Daines
Credit Manager
Wards 33, 34 & 35 - Pienaarsrivier, Radium, Thabazimbie, Warmbad, Settlers, Nutfield, Lehau, Naboomspruit, Roedtan
Tel.: 014 719 9207
Cell: 072 815 4667
Fax: 086 699 8214
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Gert Fourie
Credit Manager
Wards 38 & 39 - Dendron, Pietersburg, Alldays, Louis-Trichardt, Mussina, Vivo
Tel.: 015 297 7485
Cell: 082 928 4209
Fax: 086 564 2302
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Bertus Grobler
Credit Manager
Wards 36 & 40 - Potgietersrus, Trichardtsdal, Tzaneen, Letsitele
Tel.: 015 297 0349
Cell: 081 271 3117
Fax: 086 692 6149
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Levy Malemela
Credit Manager
Wards 44 & 53 - Emerging producers Limpopo service area
Tel.: 014 719 9032
Cell: 082 705 5400
Fax: 086 699 8209
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Jenny Kruger
Credit Manager
Wards 46, 47, 48, 49, 50, 51, 53 - All non-members (All debtors who are not shareholders)
Tel.: 014 719 9182
Fax: 086 548 2831
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.


Account Enquiries

Account holders registered at VKB can do enquiries online about balances on their accounts as well as outstanding balances. The following staff will be able to assist:

VKB Free State

Hanlie van Rensburg
Senior Administrative Officer
Tel.: 058 863 8533
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Lindie Lourens
Credit Assistant
Wards 1 & 6 - Reitz, Tweeling, Frankfort
Tel.: 058 863 8338
Fax: 086 676 4969
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Natasha Grobbelaar
Credit Assistant
Wards 2 & 7 - Daniëlsrus, Bethlehem, Paul Roux, Kestell, Clarens, Fouriesburg, Oranjeville, Jim Fouche, Windfield 
Tel.: 058 863 8204
Fax: 086 610 4729
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Nasthasia Botha
Credit Assistant
Wards 3 & 11 - Vrede, Memel, Cornelia, Woudzicht, Ascent, Northern Natal, emerging producers
Tel.: 058 863 8536
Fax: 086 754 7474
Email: This email address is being protected from spambots. You need JavaScript enabled to view it. 

Susan Nortje
Credit Assistant
Wards 4, 9 & 12 - Petrus Steyn, Heilbron, Senekal, Steynsrus, Lindley, Bothaville
Tel.: 058 863 8206
Fax: 086 512 7408
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Christine de Jager
Credit Assistant
Wards 5, 8 & 10 - Warden, Verkykerskop, Harrismith, Southern Natal, Villiers, Grootvlei, Balfour, Standerton, Morgenzon, Ermelo, Amersfoort
Tel.: 058 863 8535
Fax: 086 501 4609
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Hugoline Pretorius
Financing within members’ funds
Tel.: 058 863 8210
Fax: 086 679 1298
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Juanita Beneke
Credit Assistant
Ward 99 - All non-members (All debtors who are not shareholders)
Tel.: 058 863 8213
Fax: 086 206 5635
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Norah Makubo
Credit Assistant
Ward 99 - All non-members (All debtors who are not shareholders)
Tel.: 058 863 8590
Fax: 058 863 8324
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

VKB Limpopo

Lelanie van der Walt
Senior Credit Assistant
Ward 99 - All non-members (All debtors who are not shareholders)
Tel.: 014 719 9152
Fax: 086 696 8869
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Petro Jordaan
Credit Assistant
Wards 31, 32, 33, 34, 35, 37 & 41 - Alma, Nylstroom, Vaalwater, Tomburke, Ellisras, Pienaarsrivier, Radium, Warmbad, Settlers, Nutfield, Lehau, Naboomspruit, Roedtan, Thabazimbi
Tel.: 014 719 9114
Fax: 086 693 2715
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Noekie Herselman
Credit Assistant
Wards 36, 38, 39, 40, 44, 45 - Dendron, Pietersburg, Alldays, Louis-Trichardt, Mussina, Vivo, Potgietersrus, Trichardtsdal, Tzaneen, Letsitele, Emerging producers
Tel.: 015 297 0448
Fax: 086 660 3412
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Ettiene Strydom
Credit Assistant
Wards 47, 48, 51 & 56 - 
Tel.: 014 719 9165
Fax: 086 682 5965
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

David Kekana
Credit Assistant
Ward 49 
Tel.: 015 297 1224
Fax: 015 297 5327
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Riana Leite
Credit Assistant
Wards 50, 67 & 68
Tel.: 014 719 9209
Fax: 086 562 4163
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

To register for online account enquiries, contact your Credit Manager to gain the required access.
Account statements can also be received per email. Send an email to Isabel Kriek at This email address is being protected from spambots. You need JavaScript enabled to view it. to receive your statements by email.

 

Online Application
The required documents for application for financing are available online. Documents must be filled out completely and can be sent to the Credit Manager concerned accompanied by the supporting information. 

  

Contact Details
The Finance Department is located at VKB's Head Office in Reitz. Contact details for enquiries:

Isabel Kriek
Tel.: 058 863 8216
Fax: 086 550 8468
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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