About Efficient Advise 
BKB AgriFin, in strategic partnership with Efficient Advise, now offers you the most comprehensive financial services to help you make the right decisions. These products and services are tailor-made to professionals in the agriculture sector.
We offer insurance, employee benefits and asset finance, and together, we are committed to helping you get the best financial advice possible.
The finance of agricultural assets is becoming an increasingly essential tool for the farmer looking to make the best of their available resources. Through the strategic agreement with Efficient Advise, BKB Agrifin offers clients competitive and effective financing solutions for machinery, equipment and vehicles. Asset finance enables the BKB client to access and apply the latest technology whilst minimising the impact on a business’ cash flow.
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BKB Agrifin and Efficient Advise, in consultation with South Africa’s leading Employee Benefits consultancy services, developed a solution that will cater for your agri business’ specific employee benefits assessment, implementation and ongoing management needs.
Our services include the provision of specialist staff that are able to consult on a host of alternatives including stand-alone and umbrella funds as well as all related employee investment and risk benefit requirements.
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Although short-term insurance is an extremely important aspect of financial planning and ultimately wealth protection, it is often not assessed as comprehensively as the myriad of other personal financial needs and seldom forms part of a comprehensive financial plan.Short-term insurance forms an integral part of ensuring your financial well-being. For this reason Efficient Advise has designed a short-term insurance offering, with best of breed risk analysis, assessment and pricing capabilities, to cater for the diverse needs of BKB clients at a personal and agri business level.
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The investment environment offers an extremely wide range of alternative investment options, each designed to accommodate specific needs, and each with their own risk, return, term, tax and legal characteristics. Understanding the multitude of factors and requirements relevant to different types of investments can be an extremely daunting task and can have a significant impact on the eventual outcome of any individual investment strategy. Efficient Advise, through its own specialist investment management affiliates and via a wide range of third party investment management specialists, offers a range of investment options to suit the needs of BKB clients.
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Structured Products
After your liquidity needs have been assessed, a percentage of the initial amount will be invested in the unit trust investment.
This is achieved by withdrawing the specified amount via a zero interest loan and investing it in the unit trust investment, with no initial administration or adviser fee. Only one zero interest loan is allowed within the five-year restriction period.
During this five-year restriction period, you are allowed to make one disinvestment from the endowment investment.
Any additional investments will be applied directly to the endowment and the unit trust investments in the relevant proportions chosen and subject to normal fees.
Capital transferred from the unit trust investment may be used to fund additional investments into the endowment.
Any additional investments will enhance the growth potential of your investment.
RISK INSURANCE
Farming is more than a business. It is about leaving a legacy for future generations. This is why long-term risk insurance is an essential part of your financial and estate planning. It provides you with the financial backup to mitigate risk.
Agri businesses operate in a higher-risk industry, exposed to unpredictable market and weather conditions, and often this makes it very difficult for farmers to access finance and manage their cash flow. In association with a leading specialist risk product provider, we have constructed an offering for BKB clients to provide insurance solutions for unique clients, such as farmers.
Want to know more?
To have a representative of BKB AgriFin contact you with more information, click the “contact me” button below.
For information about BKB AgriFin Products or to have a credit advisor contact you, please call our Customer Service Centre on 041 – 503 3074 or send an email to bkbcredit@bkb.co.za to find out more.