Farm Equipment Finance
Finance solutions designed for Australian agriculture. From tractors to harvesters, we provide flexible funding that works with farm cash flows and seasonal cycles.
Key Features
All Farm Equipment
Tractors, harvesters, implements, and irrigation
Seasonal Payments
Repayments aligned with harvest and income cycles
Rural Specialists
Lenders who understand agriculture
GST Benefits
Claim GST on eligible equipment purchases
Farm Equipment Finance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Transport Fleet Expansion
The Scenario
A growing logistics company needed to add 5 new prime movers to their fleet to service a major new contract with a national retailer.
The Challenge
Traditional bank finance would take 4-6 weeks for approval. The contract required vehicles on the road within 3 weeks.
The Solution
Fleet finance was arranged through a specialist transport lender who understood the industry. Pre-approval was achieved within 48 hours.
The Outcome
All 5 trucks were financed and on the road within 2 weeks. The contract was secured, and the business now services the retailer across three states.
5
Vehicles Financed
$1.8M
Total Finance
48 hours
Approval Time
Manufacturing Equipment Upgrade
The Scenario
A Sydney-based food manufacturer needed to upgrade their production line with new packaging equipment costing $420,000.
The Challenge
The business wanted to preserve working capital for inventory and didn't want to provide property as security for an equipment purchase.
The Solution
A chattel mortgage facility was structured, secured solely against the equipment with a 5-year term and fixed monthly payments.
The Outcome
The new equipment increased production capacity by 40% without impacting cash reserves. The business claimed an instant asset write-off in their tax return.
$420K
Equipment Value
5 years
Term
40%
Capacity Increase
Farm Equipment with Seasonal Payments
The Scenario
A broadacre farmer in Western NSW needed a new header valued at $650,000 before the upcoming harvest season.
The Challenge
Standard monthly repayments did not suit the seasonal nature of farm income. The farmer needed flexibility around harvest periods.
The Solution
Equipment finance was arranged with a seasonal payment structure - reduced payments during off-season and larger payments aligned with harvest cash flow.
The Outcome
The farmer secured the new header in time for harvest. Repayments matched income timing, improving cash flow management significantly.
$650K
Equipment Value
7 years
Term
Seasonal
Structure
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
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Start ApplicationFinance for Australian Agriculture
Agriculture requires significant capital investment in machinery and equipment. We work with rural finance specialists who understand farming operations and can provide appropriate funding structures.
Finance is available for tractors, headers and harvesters, sprayers, seeders, tillage equipment, livestock handling equipment, irrigation systems, and farm vehicles.
Flexible Structures for Farm Cash Flows
We understand that farm income varies with seasons, weather, and commodity prices. Our lending partners offer flexible repayment structures including seasonal payments, annual lump sums, and balloon arrangements.
Whether you are a broadacre farmer, livestock producer, horticulturist, or viticulturist, we can help structure finance that works with your operation.
Discuss Your Farm Equipment Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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