The main purpose of the OVK Client Financing Department is to provide credit facilities to clients to enable them to benefit from all the other products and services available to OVK clients. Any South African citizen can apply for financing with OVK and all applications are dealt with on merit. A variety of financing products are available: *Monthly accounts *Production accounts (summer, winter, 3-, 6-, 9- or 12 months) . *Hire-purchase account (new or second-hand vehicles and equipment) *Term loans (livestock, lime, fencing material, precision farming) *Advances on fibre deliveries *Bridging facilities based on merit are available. *Investment account (Shareholder loan F) - a facility whereby an OVK shareholder can invest with OVK and earn interest at a prime rate minus 2. 5% per annum.