Finance question
Equipment finance for farmers and agriculture?
Yes. Tractors, headers, balers, spray rigs, cattle yards, silos and irrigation gear all finance as agricultural equipment, secured against the machine rather than the farm. Deals often settle low-doc or no-doc, which suits seasonal and lumpy farm income, and we place them across 40+ lenders with no upfront fee to you.
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The short answer
Buy the plant now, pay it from the season
Farm income arrives in lumps, at harvest, at sale, after the rain. Paying cash for a tractor or a header before the crop is off can leave you short when you can least afford it. Agricultural equipment finance spreads the cost across the machine's working life so the asset is paid from the seasons it works, not from one tight month.
The machine secures the loan, so the paperwork is light. Many farm deals settle low-doc or no-doc on an active ABN, often with no financials, which suits a grower who does not want to hand over three years of variable returns. Some lenders can also structure repayments to sit softer between harvests.
As a broker we work across 40+ lenders, and agricultural appetite varies a lot between them. A late-model tractor, a used header, a spray rig or fixed infrastructure like silos and cattle yards each suit different lenders. We match the asset and your situation to the one most likely to approve, and the lender pays us on settlement.
Do you qualify?
What a farm deal usually needs.
The machine or asset
Tractor, header, baler, spray rig, silo, yards or irrigation to secure it.
An active ABN
Family farms, partnerships and companies all qualify.
Seasonal structure
Some lenders can shape repayments around your harvest cycle.
Deposit optional
Often none needed, though a trade-in can widen options.
Why farmers finance rather than pay cash
Cash for the season
Keep working capital for seed, fuel, feed and fertiliser through the year.
Secured by the machine
The asset carries the risk, so the land and title usually stay clear.
Suits lumpy income
Low-doc approval and seasonal structuring fit farm cash flow, not against it.
A real example
A grain grower needs a $180,000 header before harvest but the crop is not off yet. Rather than sell early or borrow against the farm, the header is financed low-doc, secured on the machine, with repayments shaped around the season. Approved before the paddocks are ready, paid down once the grain is sold. Illustrative only.
Common questions
Frequently asked questions
Can repayments be structured around harvest?
Often yes. Some lenders offer seasonal or annual repayment structures that ease the gap between harvests, subject to assessment.
Can I finance used farm machinery?
Usually yes, including used tractors and headers. Very old machines can narrow which lenders will consider it.
Can I finance fixed infrastructure like silos or yards?
Frequently yes. Fixed agricultural assets can be financed, though they suit a different set of lenders than mobile plant.
Do I need financials with variable farm income?
Often no. Many deals settle low-doc or no-doc on an active ABN, with the machine as security.