Agricultural Loans | Agri Financing

Jade Finance supports businesses in the agricultural sector with a wide range of loans and financial solutions to address your individual requirements. As an Australian-owned business operating across the nation, we are fully aware of both the challenges and the opportunities faced by our agricultural customers. Our agricultural loans are tailored to address those challenges and maximise your opportunities to thrive.

Equipment Loan Comparison Tool

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Why Jade Finance?

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Equipment Loan Specialist

With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Wide Range of Commercial Financial Solutions

We work with our customers in the agricultural sector to break down, not erect, the barriers that many face in accessing workable, sustainable financial solutions.
  • Machinery and equipment loans
  • Business Overdraft
  • Insurance Premium Funding
  • Secured and Unsecured Business Loans
  • Refinancing
  • Bad credit solutions
We are clearly differentiated by our non-judgemental, positive and progressive approach to sourcing financial solutions and our commitment to the best interest rates on agricultural loans.
Diverse Array of Commercial Financial Solutions

The Jade Difference

As an Aussie broker, we are accredited with a vast number of banks and lenders so we have greater access to source you the most appropriate agricultural loan. You will be designated your own personal Jade consultant who will work with you through the entire loan process. For one loan or a lifetime of financial solutions. One person who is available to answer your questions and keep you updated on the progress of your loan deals.
  • Workable loan structures
  • Flexible payment schemes
  • Cheaper interest rates
  • Personalised service and attention
  • Quick approvals
  • Streamlined loan process
Jade Finance in Agricultural Loans and Financing for Agriculture

Many agricultural businesses feel they are locked into dealing just with their major banking partner. We understand that can lead to frustration, annoyance and disappointment for many people. Jade eases those issues by handling the discussions with your bank on your behalf. We can also investigate alternatives from our other lenders, to provide a better way forward with cheaper agricultural loans. With our superior negotiating skills and strong bargaining power, Jade Finance has an impressive record of success in sourcing workable, cheaper loans for our agricultural customers.

All conversations are confidential and your consultant will not discuss or share your information, or proceed with any applications without your consent. After listening to your requirements, we will source you a no-obligation loan quote which is tailored specifically to those requirements. On acceptance of our quote, your Jade consultant will handle all the paperwork and discussions with the lender on your behalf.

Jade Finance is committed to supporting Australian agricultural businesses with exceptional loans which empower you to capture and capitalise on opportunities and overcome challenges.

Speak with a Jade Finance Consultant to discuss your agricultural loan requirements. Call 1300 000 008.

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*The purpose of the interest rate comparison table is to provide a guide only and for comparing the interest rates on different commercial loan products. Quoted repayments are based on advertised rates and do not include lender fees and charges. An offer made to you by a lender may be at a different interest rate and have a different repayment. Using this device is not an application, any indication of an offer, and is not a loan approval.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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Farm Agriculture Business Loans FAQ's

  • Additional items for tractors may be included in the tractor funding where they are purchased concurrently and from the same source as the machine. Subject to individual lender approval.

  • The term of a credit contract is subject to lender guidelines but up to 7 years is a typical asset funding term.

  • Operators can get estimates of credit repayments by using an online credit calculator.

  • A balloon is an option with Chattel Mortgage and Commercial Hire Purchase. It is a percentage of the initial credit total that is due to be finalised in full after the last monthly repayment is made.

  • Most lenders will arrange asset funding such as for tractors, at a fixed interest rate. This means that the rate would remain unchanged over the full term of the funding.

  • Cash flow shortages may be addressed with a number of credit options. Secured and unsecured general funding or with an overdraft or a line of credit.

  • The same types of credit products are available for funding both used and new tractors. These are Rent-to-Own, Lease, CHP and Chattel Mortgage. The interest rate can be different as can the term and other conditions for used goods as the age and condition is assessed by the lender.

  • Credit products vary in suitability to accounting methods, the approach taken to the balance sheet, tax strategies and the aims of the operation. It is advisable for producers to consult with their accountant if unsure of the most suitable option for their set-up.

  • Commercial credit products all include some form of tax deduction. The specifics vary with the type of credit. Chattel Mortgage and CHP derive deductions through asset depreciation. Rent-to-Own and Lease have tax deductible payments. Interest, fees and charges are deductible on all types of commercial credit.

  • Vehicles such as SUVs, 4WD, utes and other types of cars may be funded with the operator’s choice of Lease, Commercial Hire Purchase or Chattel Mortgage.

  • Rates vary on different credit products and for different applications and with different lenders. Lenders tend to display their best available rates for strong applications and new goods. A quote should be requested to obtain the specific rate applicable to the purpose and operator.

  • Operators requiring funding for stock and supplies may consider either a secured or unsecured credit product. A general secured commercial funding product can suit many non-asset agri acquisitions where security is provided through assets. Where security is not available, an unsecured option may be considered.

  • Yes. Applications for machinery funding can be submitted and approved prior to purchase. The quote and offer would be based on an estimated amount. Details of the type and condition of the machinery would need to be provided as used goods can attract different rates and conditions to new goods.

  • Operators can select the most appropriate credit option from Leasing, Rent-to-Own, Commercial Hire Purchase and Chattel Mortgage.

  • Start-up operators that have not traded for long enough to meet the approval conditions of some lenders may consider low doc and no doc credit. This is available via brokers and non-bank lenders.