Operators across Australia can easily access our specialist services to secure workable financing for farm machinery. We have extensive experience working with all types and sizes of farm and agricultural operations and have accreditations with the right lenders to secure the best rates and most flexible terms on loans for agricultural tools and equipment.
We appreciate that securing affordable agricultural farm equipment loans quickly, can be critical to realising required production and output, achieving efficiency and productivity across the operation, and ultimately, profitability. Our quick response to enquiries, personalised approach and comprehensive services, ensures our customers have their best interests addressed and a tailored financing solution achieved, professionally, from the right lenders and swiftly.
We support the agri operators across all industries – graziers, growers, livestock, horticulture, on both small and large holdings, with individually tailored farm equipment finance. To discuss your requirements with one of our brokers, connect with us via our online tools or make the call and have a conversation.
The structure, rates, and terms of agriculture farm equipment loans can play a crucial role in not only acquiring tools and machinery, but for the overall profitability of the business.
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The rates must deliver affordability that works towards achieving ROI. The repayment schedule must be flexible to suit seasonal issues faced by many agri businesses. The structure must be individually tailored to allow for the specific requirements of that operation.
We address all those issues and provide direct and easy access to lenders that specialise in loans agriculture equipment finance. We appreciate the range of different operating set-ups in the industry and provide services to all types – SMEs, large corporations, family enterprises, trusts, contractors, self-employed operators, and those new in the business.
A wide range of equipment, machinery and tools can be financed. This includes individual machines such as tractors, threshers, seeders, harvesters, diggers, loaders, and backhoes, as well as entire systems such as for irrigation, harvesting and processing. Financing can be sourced to acquire the latest technology to achieve improved productivity, increase output, and efficiency.
We cover finance for new and used units from all the leading names such as Case, IH, Massey Ferguson, Bobcat, Deere, CAT, Kuhn, and the new brands emerging into the Australian market. Loans can be arranged for machinery purchased new through an authorised dealer and for second-hand units purchased from private sellers, through dealers, and at auction.
For a quick quote on a loan for your required machinery, connect with one of our brokers, or simply apply online.
Our brokers are across all latest tax rulings when it comes to asset acquisition financing. We structure each farm machinery loan to optimise the tax benefits available. For a quote on loans for agricultural tools to upgrade, replace or expand, speak with one of our brokers today.
Our guides offer quick comparisons and simple explainers to help you level up on the equipment finance process with confidence.
We provide a complete portfolio of credit facilities to ensure each business set-up can secure the financing for farm equipment suited to their operational structure and objectives. The choices include all asset acquisition financing products – Chattel Mortgage, Leasing, Rent-to-Own and Commercial Hire Purchase.
Making the decision as to which is the most suitable facility for an individual business involves considering:- the accounting method used to prepare the accounts; the strategy for the balance sheet re posting assets and liabilities; the approach to tax; the timeframe for ownership of the machine; and the broader, long-term financial objectives for the operation.
We secure all loans for agricultural tools with our trademark best interest rates which are fixed for the full finance term. Providing certainty which can be invaluable for those in seasonal produce markets. The finance term is also fixed and negotiated to best deliver the preferred repayment schedule. Repayment schedules are fixed to allow ease of cash flow management.
Contact us to discuss farm equipment loans further.
Through utilising our specialist services to secure farm equipment financing, operators of all sizes and structures can reap many benefits. We appreciate that many traditionally focus on the banking sector when requiring loans for agricultural tools and machinery. The banks can be competitive, but the commercial lender sector is vast, rates and offers vary across the market, and we offer access to many other options.
Integral to our capabilities is our accreditation with more than 80 lenders, which does include the major banks. But also includes non-bank lenders and lenders that specialise in farm and agriculture financing. Providing our customers with more choice, greater possibilities for lower rates, and the opportunity to have an expert negotiate on their behalf. We select which of our lenders is a best match for each customer. The one with criteria that fits their profile, is in a position to approve the loan amount on the particular piece of equipment and is currently offering the most competitive rates. For new and start-up operators we have access to lenders that do offer affordable solutions on a no doc and low doc basis.
As a result of our longevity and standing in the commercial lending field with 25+ years of experience, we have leverage with many of our lenders. Leverage that we utilise to negotiate the best rates and most flexible farm equipment financing. Each customer is assigned one of our brokers with experience in the agri finance sector for a single point of contact and efficient process.
We are Australian-owned and based and provide services across the country. To have your agricultural machinery finance requirements handled professionally and efficiently, speak with us.
To be eligible for financing for farm machinery, operators must meet both the standard criteria for commercial credit and guidelines set by individual lenders. The standard criteria are to hold an ABN, provide verifiable ID and financial documentation around the credentials of the business. Holding registration for GST is not necessary. Credit history and rating will be reviewed.
The individual lender guidelines can vary across the market. They may include a minimum trading period, minimum turnover, minimum asset base for collateral, and providing the full complement of documentation requested. By matching customers with the right lender, we immediately overcome any eligibility criteria challenges.
Our no doc low doc options overcome obstacles for new and smaller operations. These options can be approved based on turnover for 6 months, strong assets, and other aspects of the application.
Providing financial documentation is important to achieving the most workable solution. Documents include tax returns, annual accounts, bank statements, turnover figures, profit and loss statements, assets and liabilities. With the seasonal nature of many agricultural operations, providing details of contracts, projected output and income forecasts and similar, may be beneficial.
Our application process is streamlined and efficient. Simply provide our brokers with your details and docs and we will handle the process for you. Applications can be lodged online or by phone and our brokers can have many approved in 24 hours.
If planning to order machinery at a Field Day or buy at an upcoming auction, applications can be submitted and approved based on an estimate loan, prior to the date. A fast and efficient service to ensure operators secure their finance and their machinery quickly. Apply today.
The acquisition of new tools, machinery and equipment can be a major investment. An investment which requires diligent consideration of the funding options available to make the purchase. Our financing for farm machinery can compare extremely favourably with the option of purchasing the assets outright.
Purchasing outright may lead to pressures on cash flow and a decrease in available funds for other supplies and materials. Financing with a tailored repayment schedule may enable better cash flow management and enable back-up funds to remain available when required for other purposes.
Financing does provide tax benefits which may be more advantageous than when goods are purchased outright.
Our highly competitive interest rates on farm equipment loans can be a very persuasive factor in deciding on funding for required tools and machinery. When weighing up your options, refer to our current best rates and use our calculator for estimates on loans for agricultural tools.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/12/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
New businesses that do not have complete financials to be eligible for commercial credit can apply for no doc and low docs funding through specialist lenders and brokers.
Farm machines can be financed with Chattel Mortgage, Hire Purchase, Lease and Rent-to-Own.
Yes. Conditional pre-approval of financing can be obtained prior to purchase of the assets.
Interest rates vary with lenders, with individual applications, and with the selection of credit facilities.
All commercial credit offers tax deductions. How deductions are realised varies with the selection of credit facilities.
Financing for new and used farming machinery can vary. Lenders review the age and condition of assets when preparing offers.
Most lenders secure commercial asset acquisition financing at fixed interest rates.
Operators can use an online calculator to obtain rough estimates of equipment finance.
Agri machinery finance terms are subject to individual lenders and individual applications. Up to 84 months is a typical term.
Where accessories are purchased from the same dealer at the same time as the machine, the entire package is typically included in the one financing arrangement.
