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Farm Equipment Loans | Agriculture Business Finance
We provide producers, growers, pastoralists, farmers and other operators on the land with professional broker services and individual support to secure flexible funding for machinery acquisitions. As specialists in commercial lending we have extensive coverage of the lending market to give producers more expansive options and opportunities to secure funding at lower rates and workable terms, more easily and simply.
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Choose the Best Financing Option for Your Farming Needs
Compare Lower Rates on Farm Agriculture Equipment Loans
Interest rate variations in the commercial lending market – bank and non-bank lenders, can make it extremely challenging and time-consuming for producers to find the lowest rates when they need funding. We make that easy by using our vast coverage and leverage with lenders to obtain lower rates across our portfolio. Rates can also vary with individual applications. But use our latest rates as a guide when comparing machinery makes and models and when planning to order at a field day. For an exact quote, simply contact us and we’ll handle the entire process for you.
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Disclaimer: This calculator 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 finance or any indication that an application has been received or approved. The repayments quoted 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.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true 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.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true 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.
Get Hassle-Free Financing at Field Days
How to Get Finance for Farm Equipment Finance to Order at Field Days
We know that many producers will be planning to order new machinery at field days. To assist operators be ready to order, we provide pre-approved funding. Applications can be approved based on an estimate of the purchase price and the details finalised when the acquisition is finalised.
When comparing different makes and models of machinery and to make decisions around upgrading, use our calculator to obtain rough funding estimates. This device is also extremely useful when preparing a brief for our brokers as to preferences with funding terms and balloons.
- Easy to use calculator for farm agricultural equipment loan estimates.
- Pre-approved loan service to order at field days, buy at auction.
This calculator 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 finance or any indication that an application has been received or approved. The repayments quoted 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.
Expert Finance Solutions
Get the Experts to Handle Your Finance for Farm Agriculture Equipment
Powered by smart technology and staff by lending professionals, our expert lending services are available to all types of primary producers and graziers across all areas of Australia. As an Australian owned, operated and based company, we have a deep understanding and appreciation of the needs of the farming sector and source funding that specifically meets their requirements.
Our brokers are across the latest the asset acquisition taxation rulings to ensure we structure offers to optimise deductions, minimise overheads and maximise benefits. We have a 20 year track record of producing workable outcomes including within primary production industry.
All types of operational structures and set-ups are welcomed, from new and sole trader producers through to multi-generational family operations and large companies with multiple properties and interests.
Our more than 80 lenders include the major banks as well as non-bank lenders, some of which specialise in funding the agri sector. Where requested, we are quite happy to handle negotiations on your behalf with your current bank.
- Customised, individually sourced solutions.
- 20+ years of experience, agricultural sector expertise.
- Offers optimised for latest tax rulings.
- 80+ lenders – major banks, key agri-oriented non-bank lenders.
- Family enterprises, small growers, sole trader contractors, corporate concerns, family trusts.
Choose from a Range of Loan Options
Complete Portfolio of Loan Types for Farm Agriculture Equipment Finance
Whether buying harvesters, tractors, irrigation systems, new or used, producers can select from the range of asset acquisition funding options. The loan types vary in regard to interest rate, compatibility with accruals or cash accounting method, approach to the balance sheet, tax deductions and treatment of GST. We advise our clients to discuss the most appropriate with their accountant so we can source the offer that will deliver the outcomes required.
We source each solution with fixed interest rates, fixed terms and fixed repayments negotiated to work with the seasonal income fluctuations. No deposit funding is available and for most producers, no additional security will be required.
- Chattel Mortgage Farm Agriculture Equipment Finance
- Rent-to-Own Loans for Farm Agriculture Equipment
- Farm Agriculture Equipment Finance Lease
- Commercial Hire Purchase Farm Agriculture Equipment Finance
- Fixed interest rates, fixed repayments, fixed loans.
- Repayments negotiated to work with cash flow and income fluctuations.
- No deposit funding options.
Versatile Financing Solutions
Solutions for Wide Range of Farm Agriculture Equipment – New and Used, Leading Brands
We understand the diverse nature of the agri industry and provide funding for all types machines, and systems, new and used, purchased from private sellers, dealers and at auction. Where accessories and attachments are required, speak with us about including these in the same funding package as the machine itself. Where software systems are required with the latest technology machine, we can offer funding options for the purchase.
- Loans for tractors, harvesters, tillage and seeding machinery, spraying and irrigation systems and more.
- Finance for machines from leading brands including CASE IH, John Deere, Unverferth, Kubota, Massey Ferguson, New Holland and Deutz Fahr.
- Affordable finance for new and used farm agriculture equipment.
Accelerate Your Farming Success with Rapid Approval
Fast Approval of Farm Agriculture Equipment Loans
We don’t leave our clients wondering for ages if their application has been approved with the terms they want. With our direct connections with lenders at our industry level, we can expedite approvals within 24 hours in many cases.
Apply today or call for an initial discussion around how we can simplify the process of obtaining workable funding for your machinery acquisitions.
FAQs
Farm Agriculture Equipment Financing
New operators can apply for commercial lending. To complete the standard application form, operators are required to provide documentation on the financials for the enterprise. Where a new operator does not have financials, they may seek no doc low doc options from lenders and brokers.
Machinery to be used in an agricultural setting can be funded with asset acquisition funding products. These are Chattel Mortgage, Lease, CHP and Rent-to-Own.
Yes. Applications for commercial funding can be submitted and approved before the machines have been purchased. An estimate of the amount required can be provided along with details of the type of machinery.
The interest rate varies with different funding products – Chattel Mortgage, Lease, CHP and Rent-to-Own. Rates can also be different for different applications as lenders will assess each application when preparing an offer. Operators can use rates displayed by lenders as a guide.
The repayments for Lease and Rent-to-Own are full tax deductible. Tax deductions are realised on CHP and Chattel Mortgage through the depreciation of the machinery according to ATO schedules.
GST is treated differently with different products. GST is applied to Lease and Rent-to-Own payments and can be claimed on the appropriate BAS returns. With Chattel Mortgage and CHP products, the GST charged on the purchase of the machinery is claimed on the next BAS after purchase. No GST is then charged on the repayments.
The machinery being acquired is typically accepted as the security for commercial lending products. Where a lender does request an operator provide additional collateral, that can be provided as property or other assets.
An online calculator is set-up only to provide general calculations based on the values typed in by the user. Lender fees and charges are not included. No allowance can be made for the credit profile of the user. The results are only estimates and can differ from any offer made.
A balloon is an option with Chattel Mortgage and CHP. It is a percentage of the total amount of the funding that is due for full payment at the end of the term.
Attachments and accessories for harvesters and other machinery may be included in the machine funding where they are purchased at the same time and subject to lender approval.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
