We offer operators in the farming and wider agricultural sector, a better way, a faster way, and a streamlined way to secure affordable machinery loans. Connecting them with a wide range of lenders, individually securing competitive farm loan interest rates, and getting applications approved quickly, even for small and start-up enterprises.
Still dealing only with the bank when you need a loan for farm machinery? Accepting the offer without considering if better farm equipment loan interest rates are available? Struggling with unreliable machines because you just don’t have the time to source finance for new farming equipment? Can’t find a lender to approve your farming machinery loan application?
Using our comprehensive service, operators not only have immediate access to a large number of lender options including specialist non-bank agri lenders, but they have an expert in agricultural machinery funding to source the best offer, structure the loan, get applications approved, and handle the settlement. Ensuring our customers secure the funding they require to acquire the machinery they need, to increase output and yields, achieve productivity gains and support their enterprise.
The right credit facility is essential for an enterprise to achieve its target objectives with financing. We provide a complete portfolio of asset acquisition financing products to ensure all set-ups and business structures are catered for.
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Farming machinery loans are available with Lease, Chattel Mortgage, Commercial Hire Purchase (CHP) and Rent-to-Own. These products can be used to fund the purchase of new and second-hand machines by all types of commercial entities.
The differences and variations with these products include: compatibility with either the accruals or the cash accounting methods; the ownership of the machinery over the financing term which is reflected in the balance sheet; how a tax deduction is realised; the application of GST; how the loan is finalised at the end of the term; and interest rates. We recommend that operators consult with their accountant to ensure the most suitable credit facility is selected.
For new, start-up and small operators, we provide Low Doc and No Doc Farming Equipment Loans through our specialist non-bank lenders. Rates are competitive, terms negotiated, and solutions sourced to meet individual requirements.
We arrange all asset finance solutions with the best fixed farm equipment interest rates and over fixed terms of up to 7 years to ensure fixed monthly repayments which will not change over the term. Chattel Mortgage and CHP allow for a balloon option, Leasing a residual in line with ATO rulings, and Rent-to-Own provides for a buyback option.
When purchasing machines with attachments and accessories, where the entire package is purchased from the same supplier at the same time, we can work to provide an all-inclusive funding solution.
For a funding quote on your machinery purchase, with repayments negotiated to work with your cash flow, use our online quote request service or call and speak directly to one of our brokers.
We work with producers and operations with all set-ups and sizes across the agricultural sector – graziers, growers, horticulturists, pastoralists, and supporting services.
To have our experts find you the best farm equipment loan, request a quote today.
Our guides offer quick comparisons and simple explainers to help you move through the financing process with confidence.
As specialists in commercial lending, we know that many operators across multiple industries face challenges in sourcing financing that specifically suits their business. Using our services may overcome these challenges.
We have access to over 80 lenders including specialists in agricultural equipment financing. Providing a vital connection with lenders that understand the specific needs of the farming sector and can provide the most workable solutions. We are also accredited with the major banks and through our industry-level contacts, have the capabilities to negotiate on the best solutions.
We assign an individual broker to each customer to ensure individual needs are fully understood and catered for in the financing solution and to streamline the entire loan sourcing process. We work with our lenders to negotiate on the best farming equipment rates and tailor funding to meet individual customer objectives including those facing seasonal cash flow challenges.
Access to our services and our highly skilled brokers is easy and direct, with no referral required. We respond promptly to every request to ensure fast action to save operators the time-consuming process of sourcing their own loans.
As an Australian owned and based company with over 25 years of commercial lending experience, we know the Australian business and economic landscape, especially the special conditions impacting the agricultural sector. This knowledge and understanding are our customers’ assurance that their best interest are addressed with every funding solution.
To discuss how we may assist you, speak with one of our brokers.
To assist operators to plan and budget for new machinery acquisitions, we have provided an easy-to-use Farming Machinery Finance Calculator. This handy tool can be easily accessed by online devices 24/7. Allowing producers to calculate machinery loan estimates when and where suits their schedule.
Interest rates can vary depending on individual application specifics. But our current best rates can be used as a guide when using the calculator.
Calculate estimates to compare Lease with Chattel Mortgage and CHP, compare different makes and models, compare repayments on new versus second-hand machines. Contact us for a specific quote for accurate budgeting.
There’s no need to set aside days on end to source farm equipment finance. Our application and approval processes are fast, streamlined and straightforward. Producers only need to provide our brokers with their business financials, details of the equipment being purchased and choice of credit facility. Information which can be provided by phone and email or uploaded via our online application tools. We handle the rest from there.
We source the best rates and offer from the most suitable lender and when the offer is accepted, we handle processing the application for fast approval and prompt settlement.
Minimising the time to obtain affordable, individually tailored finance and expediting machinery delivery.
If looking to order machinery at a field day or bid at an auction, speak with us about getting loans approved ahead of time.
To get your new machines producing for your business faster, apply for our low rate farm equipment loans today.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 16/09/2024 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.
Start-up businesses may not have all the financial documentation required for commercial lending. They can engage with a broker to source low doc and no doc financing options.
Equipment used in the agricultural sector may be financed with the operator’s choice of Lease, CHP, Chattel Mortgage or Rent-to-Own.
Yes. Applications for machine funding can be submitted and conditionally approved based on an estimate of the amount required and an indication of the goods being purchased.
Asset acquisition funding products allow for the goods being funded to be the financing collateral. Subject to lender guidelines, many applicants will not be required to provide additional collateral.
Tax deductions are available on all asset funding products. Lease and Rent-to-Own have tax deductible monthly payments. CHP and Chattel Mortgage deliver a deduction when the machinery is depreciated.
The same funding products can be used to finance both new and used assets. The interest rate and conditions can vary for second-hand goods.
Asset acquisition funding is typically arranged with fixed interest rates.
All assets used in a business operation may be eligible for commercial financing. This includes machinery as well as technical systems.
Operators seeking to plan and budget financing agricultural machinery may use an online funding calculator to obtain estimates.
Where a machine and any attachments and accessories are purchased from the same supplier at the same time, the entire purchase may be included in the one funding package. Subject to individual applications and lender guidelines.
