Get Fast Service & Better Rates on Farm Agricultural Business Loans

Realise increased yields, greater output and improved productivity faster with our fast machinery lending services. Have that essential machinery, equipment and vehicles working on your property, in your enterprise, as soon as possible and with far less trouble and time, by using our brokers to source your funding. We not only respond quickly to requests for machinery funding, we also deliver the best rates and offers available from across a vast selection of more than 80 commercial lenders. Supporting our agri customers to secure their assets faster and more efficiently and with more affordable credit.

Agricultural Business Loans for Farms

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Compare Loan Rates for Farm Business Finance from 80+ Lenders

Most agri operators will appreciate the challenges associated with trying to find the best rates with so many lenders and significant variations across the market. Challenges magnified when their time needs to be spent on the property, not on the phone or internet comparing rates. We’ve done the work by bringing together the best rates from across 80+ lenders. Compare the rates we are currently achieving to assist with purchase decisions and speak with one our brokers for a quote based on your specific requirements.
Competitive Agricultural Finance Rates

All Types of Farm Business Loans

The right type of funding product can be critical to achieving the required outcomes. To meet the wide range of funding requirements of primary producers and agri operators, we provide all types of credit products. Enabling customers to secure the right option for asset and stock acquisitions, general expenditures, development costs and cash flow shortfalls for seasonal producers. Funding is available for tractors, harvesters, threshers, seeders, irrigation systems, balers, backhoes, diggers and other machines from leading manufacturers including IH, Deere, Case, Kuhn, Bobcat, CAT, Massey Ferguson and more. Credit options are available to purchase supplies, stock and other non-asset items.

Loan Options

Funding New and Used Agricultural Equipment

Producers can select from Leasing, Chattel Mortgage, Commercial Hire Purchase and Rent-to-Own.

SME Farming Equipment Finance

With over 80 lenders, we have opportunities for SMEs and small operators to secure affordable, workable credit for the full range of machinery requirements.

Chattel Mortgage Farm Business Finance

With the lowest rates and flexible format, this is a popular choice with many operators.

Car Finance, Ag Business Work Vehicle Loans

Funding for cab chassis, trucks, utes and 4WD available with choice of asset acquisition credit products.

Secured Farm Business Loan

Suited for many purposes, this type of funding can be secured at cheaper interest rates by our brokers working with our industry connections at our bank lenders.

Unsecured Agriculture Business Finance

Suited where security is not available, this type of credit can be secured at affordable rates through our non-bank lenders. Some of our lenders will approve this type of credit based on half-year turnover.

Fixed Interest Rates, Fixed Terms, Tax-Optimised Finance

Our expert brokers are across the Australian tax scene to ensure solutions are optimised for current tax benefits. Fixed rates and fixed terms provide operators with certainty in what can be an uncertain industry.

How to Plan Machinery Investments with Agri Equipment Finance Calculator

We appreciate the planning that operators undertake when purchasing new assets. Comparing the costs and benefits of different makes and models as well as preparing budgets to allow for the funding payments. Make that planning easier by using our credit calculator. Using our current rates as a guide, operators can quickly calculate estimated repayments on funding for all types of equipment, machinery and vehicles. By changing the amounts entered including the term and balloon/residual, operators can start to build a picture of how they would prefer their funding structure. Ideal for budgeting and for preparing a brief for our brokers to source the cheapest and most suitable quote.
  • Easily accessible online funding calculator.
  • Compare repayments, rates, makes and models.
  • Prepare and plan funding for equipment purchases.
Using an Agricultural Equipment Finance Calculator to Strategize Machinery Investment Planning

Find the Best Solutions for Small Business Farm Loans with Our Broker Services

Our specialist lending services are available to all types of operations, including small concerns that often face even greater challenges in sourcing affordable credit. We have the lenders and we have the expertise to support primary producers and other operators in the agri sector to find solutions to meet their specific funding requirements.

  • Affordable funding for family enterprises and trusts.
  • Better rates for sole traders, self-employed and contract rural operators.
  • Cost-effective opportunities for SMEs and new producers.

Fast Access and Cheaper Agriculture Business Loans from 80+ Lenders

While the major banks are a key credit source for the agri sector, the commercial lending market is extensive with many options to secure cheaper funding. As specialists in the field, we have both the lenders and the expertise to deliver those cheaper options, faster.

Through our accreditations with more than 80 lenders, we provide customers with fast access to the cheapest and most suitable credit options for their purposes. Rates, approval criteria, credit conditions and many other aspects can vary from lender to lender. Being able to access more lenders presents our customers with the opportunity to find the lender that is best aligned with their individual situation and their funding purpose. Many of our lenders specialise in funding for the agri sector. With our brokers handling your funding requirements – from initial enquiry through to settlement, we ensure speed, efficiency and effective outcomes.

We are an Australian company with an extensive experience and deep understanding of the commercial environment and the situations which can confront the ag industry. These insights, expertise and our individual approach provides our customers with confidence that their best interests are at the forefront for our brokers.

  • Expert brokers providing better credit from 80+ lenders.
  • Individually sourced and negotiated outcomes.
  • Best rates from across more lenders for cheaper funding.

Get Fast Approval for Farm Business Loans

Apply for credit via our online options or give us a call and apply over the phone with one of our brokers. Then we handle everything, leaving you to concentrate on your operations. Many applications can be approved within 24 hours with prompt settlement arranged by our brokers to ensure you have the credit you need, as fast as possible.

When heading to an auction or a field day, get approved ahead of time and be ready to bid or place your order.

  • Fast 24 hour approvals
  • Efficient online or phone application service
  • Prompt settlement
  • Pre-approvals for field day and auction purchases
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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.