Secure flexible terms and the most competitive rates on financing spraying equipment using our expert lending services. Terms and rates are individually sourced and negotiated by our brokers to deliver customers a tailored loan solution, specific to their requirements.
As specialists in farming machinery lending, we have the experience, the expertise and the deep lender market coverage to assist operators acquire affordable machinery funding to support, improve and grow their business. Achieve greater efficiencies with more recent models, replace unreliable units to reduce maintenance costs, and expand current capabilities to increase yield and turnover.
Operators throughout Australia can access and utilise our services for all types of sprayers – boom, mounted and self-propelled, standard and custom-built models, new and used. We work with businesses of all sizes and scale across all types of cropping, to secure cost-effective financing with minimal hassle and time. Request a quick quote on sprayer finance or have initial talks with one of brokers by giving us a call or connecting online.
Our comprehensive lending services provide the opportunity for businesses of all types to secure workable finance for spraying equipment.
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We provide our same high level of service and expertise for the smallest and the largest producers across all types of business structures. Family enterprises, SMEs, large corporations, trusts, small growers and even self-employed operators can access our experts for the best sprayer loan interest rates.
Producers looking for a start in the agricultural sector can often face issues in securing the necessary machinery funding. We assist new growers with no or very little financials and who have traded for less than a year, to access no doc and low doc sprayer loans with workable terms and rates.
Tailored financing is sourced and structured for the purchase of all types of machinery including boom sprayers, self-propelled sprayers, horticultural models, mounted boom models and custom units.
When considering a custom unit, operators can speak with us to lock-in their financing before ordering. Providing confidence to proceed with the order, and design the unit to meet their application specifications and their approved funding limit.
Spraying equipment loans are available for units from all manufacturers including CASE IH, Croplands, John Deere, Hardi, Goldacres and others. When planning to order at a field day or purchase at an auction, funding applications can be processed and approved prior to the event.
To discuss individual requirements, including your funding preferences, call and speak with one of our experience agricultural finance brokers.
Our guides offer quick comparisons and simple explainers to help you move through the financing process with confidence.
Selecting the credit facility with the features that suit specific business set-ups, is integral to achieving a workable solution. We provide all types of business structures with options to suit their accounting method, approach to their balance sheet, and to suit a range of targeted business objectives.
Operators can select from Chattel Mortgage, Lease, Rent-to-Own and Hire Purchase. Rent-to-Own and Lease are compatible with businesses that use the accruals method of accounting. Chattel Mortgage suits businesses using the cash accounting method. Hire Purchase is versatile in that it can work with both accounting methods.
Ownership of the sprayer while the loan is repaid varies with credit facilities and can be an important consideration for many business owners. Those that do not want a large asset such as a sprayer, posted into their balance sheet, may consider Leasing and Rent-to-Own as off-balance sheet credit products. While the lender retains ownership of the sprayer, the borrowing business can claim the full amount of payments as tax deductions.
With Chattel Mortgage, ownership of the sprayer transfers on settlement to the borrower. The asset is listed in the balance sheet and depreciated for a tax deduction. A great benefit of this form of credit is the extremely attractive interest rates – lower than Lease and Rent-to-Own.
Each credit facility includes the opportunity to defer a portion of the loan for payment at the end of the term. A balloon with Chattel Mortgage and Hire Purchase, a residual with Leasing, and a buyback option for Rent-to-Own.
Depending on lender approval of individual applications, no deposit financing is available on all commercial credit products and for many operators, no additional collateral is required to get approved.
To assist operators with budgeting and cash flow, we arrange all options with our signature best interest rates which are fixed for the entirety of the financing term. We negotiate terms with our lenders to best meet the expectations of business owners. A fixed payment schedule is structured to work with forecast turnover and cash flow.
For one our experts to source the best rates and most suitable spraying equipment finance terms for your business, contact us by phone or online.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 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.
The same credit facilities – Lease, Rent-to-Own, Chattel Mortgage and Hire Purchase, can be used to fund all types of agricultural equipment.
Farming machines including sprayers may be financed with the operator’s choice of Hire Purchase, Leasing, Chattel Mortgage, and Rent-to-Own.
New businesses with less than 12 months of trading figures and without full financials may seek Low Doc Asset Finance through brokers and specialist lenders.
Agricultural machinery financing products allow for the machine to be the main collateral for the funding. Following a lender assessment of the application and the machinery, lenders advise if any additional security is required.
Residual and balloon payments may be refinanced, subject to lender approval.
The purchase of used agri machinery can be funded with the same credit facilities as new machines – Lease, Hire Purchase, Chattel Mortgage and Rent-to-Own.
Yes. Machinery loan applications can be submitted based on an estimated amount required and an indication of the machine details, prior to an actual purchase commitment. Conditional approval is sought based on the initial information and any offer adjusted after the purchase commitment is made.
To apply for machinery funding, operators will need an ABN, ID and a range of financial documents including accounts, tax returns, BAS returns, profit and loss statements, turnover figures, bank statements and similar.
Subject to individual lender approval, 100% of the purchase price may be included in the loan. Where the total loan amount requested is not approved, borrowers will need to make a downpayment to reduce the amount to the approved limit.
The same credit facilities can be used to fund standard and custom equipment models. Lenders assess the machinery as part of the application assessment process. Any variations in terms, and conditions for custom models is subject to individual lender guidelines.
