Farm & Agricultural Equipment Finance
Agricultural equipment finance is specifically designed to meet the unique needs of the primary production sector. Unlike standard business loans, agrifinance often features repayment schedules that align with harvest cycles and seasonal income. When we compare options for your farm, we look for lenders who understand the value and lifespan of specialized machinery like harvesters, seeders, and irrigation infrastructure. The asset serves as security, which can lead to more favorable terms than unsecured lending. The primary trade-off is between the interest rate and the flexibility of the repayment schedule; highly seasonal payments may attract slightly different terms than standard monthly repayments. We work with a variety of specialist lenders to ensure you get a solution that supports your farm's long-term sustainability.
When it makes sense
- Tractors and articulated loaders
- Harvesters and headers
- Irrigation systems and pumps
- Seeding and tillage equipment
- Livestock handling yards and crushes
- Quad bikes and utility vehicles (UTVs)
- Grain silos and storage solutions
- Precision farming and GPS systems
Indicative terms
| Amount range | 5,000 to $5,000,000+ (indicative) |
| New vs second-hand | Both accepted (indicative) |
| Deposit | 0% to 20% options (indicative) |
| Indicative rate range | 6.50% – 10.50% p.a. (indicative) |
| Term | 3 to 7 years (indicative) |
| Residual/balloon | Available for eligible assets (indicative) |
| Documentation | Specialist agri-doc pathways (indicative) |
| Settlement time | 3 to 7 business days (indicative) |
How it works
- Farming Needs — Share your machinery requirements and your farm's production cycle. This helps us identify lenders with the most appropriate repayment structures.
- Market Comparison — We compare specialist agricultural lenders and major banks to find the most competitive indicative rates and flexible terms for your sector.
- Seasonal Structuring — We work with you and the lender to structure repayments that match your cash flow, whether that's monthly, quarterly, or annually.
- Funding Settlement — Once the paperwork is finalized, the lender pays the machinery supplier directly, ensuring a smooth transition to your new equipment.