Asset finance · farm & agricultural equipment
Farm and agricultural equipment finance
Farming runs on equipment, and equipment runs on timing. Agricultural equipment finance lets you put the machinery to work now and structure the repayments around how a farm actually earns: seasonally, and not always evenly.
What it is, when it fits
Plain English, with the trade-offs.
We compare farm and agricultural equipment finance across our whole lender panel, including lenders who genuinely understand primary production, and explain the options in plain English. Almost any productive farm asset can be financed: tractors and loaders, headers, harvesters and balers, seeders, planters, sprayers, tillage equipment, irrigation systems, silos and grain handling, livestock equipment, farm utes and trailers. If it earns its keep on the land and has a resale value, there is usually a lender for it.
Aerial view of Australian farmland during harvest season.
Typical scenarios
Mid-sized cropping operation upgrading header before harvest
Why: Need machine in the paddock for harvest; want repayments aligned to post-harvest income
Outcome: Seasonal repayment structure with bulk payment in March; settled before harvest window opened
Cattle operation buying second-hand tractor
Why: Bank declined on vehicle age; needs specialist agri lender
Outcome: Specialist agricultural lender approved on 8-year-old machine, structured against herd income
Irrigated horticulture funding new sprayer + irrigation upgrade
Why: Mixed equipment purchase + fixed infrastructure
Outcome: Combined chattel mortgage covering both assets; GST claimed in next BAS
Lenders for this product
Who we work with.
- Pepper Asset Finance
- Allied Credit
- Metro Finance
- Finance One
- Multipli
- Liberty Commercial
- Macquarie Leasing
- NAB Equipment Finance
Lender accreditation varies; not every lender is available for every deal. We pick from the panel based on your specific situation.
How it works
From brief to settlement.
- 01
Discovery call
A 15-minute conversation about the equipment, your operation, and how income arrives across the year. Seasonal structures need that context.
- 02
Lender shortlist
We identify lenders who understand primary production cash flow and have appetite for the equipment type and age. Generalist lenders often miss the mark on agri.
- 03
Application + approval
We assemble the supporting documents and submit. Approvals typically come back within 48 to 96 hours depending on lender and equipment type.
- 04
Settlement
Documentation signs electronically, lender pays the dealer, equipment moves to your operation. We confirm everything funded correctly post-settlement.
Indicative pricing & terms
Ranges, not promises.
Rate range
From 7% p.a. (established producers on standard equipment)
Loan size
$25K to $1M+ per machine
Term
3 to 7 years (with seasonal options)
Security
Secured against the equipment
Indicative only; specific pricing depends on lender, security, and your business profile.
Frequently asked
Honest answers, plain English.
Can I finance used farm machinery?
Yes. Many lenders finance used tractors, headers and other equipment, though terms depend on the age and hours. Older machinery reduces the number of willing lenders, which is where comparing the market matters most.
Can repayments be structured around my season?
Often, yes. Some agricultural lenders can structure repayments to suit a seasonal cash flow rather than a flat monthly schedule. We will match you to lenders who offer this where it suits you.
What are the tax benefits?
A chattel mortgage can offer GST and depreciation benefits, and the instant asset write-off may apply in some circumstances. We are not tax advisers, so confirm the detail with your accountant, but we will arrange the structure that supports it.
Do you finance irrigation, silos and fixed equipment?
Yes, where the equipment has a resale value and the lender criteria allow. Tell us what you are buying and we will find the right lender.
Do you charge a fee?
No. The lender pays us when your finance settles. Any fee that ever applied would be disclosed in writing first.
Related products
If this isn't quite the fit.
Next step
Twenty minutes, no obligation.
Tell us the shape of the deal and the timing. We'll send a lender shortlist for farm and agricultural equipment finance or, if it isn't the right fit, an honest signal of what is.