Business Finance
Farm equipment finance
for producers.
Tractors, harvesters, irrigation systems, sprayers — agricultural equipment is expensive and essential. We connect farmers and producers with lenders who understand seasonal income and agricultural business structures.
Finance structured around how farming works
Agricultural businesses don't operate on a neat monthly salary. Income can be seasonal, irregular, or tied to commodity prices. Most mainstream bank lenders struggle to properly assess farm income — we work with specialist agricultural lenders who understand the sector.
Whether you're in the Wheatbelt, South West, Eyre Peninsula or anywhere across Australia, we can help finance new or used farm equipment and structure repayments around your harvest or production cycle — not a rigid monthly schedule.
Agricultural equipment specialists
Tractors, headers, sprayers, seeders, irrigation, livestock handling equipment.
Seasonal repayment structures
Repayments structured around harvest cycles — not arbitrary monthly instalments.
Lenders who understand farm income
Specialist agricultural lenders — not branches that treat farm income like a salary.
New & used equipment
New machines from dealers, quality used equipment from auctions or private vendors.
Who this suits
- Grain and mixed farmers replacing or upgrading key machinery
- Horticulture or viticulture operations needing specialised equipment
- Pastoral and livestock operators expanding their infrastructure
- Any agricultural business that needs to spread a large equipment cost over time
Operating in a regional area? We work with farmers across all states — it doesn't matter how far from the city you are.
Farm Equipment Finance FAQS
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
What farm equipment can I finance?
We can help with finance for tractors, harvesters, headers, sprayers, seeders, balers, irrigation equipment, telehandlers, loaders, quad bikes, side-by-sides, attachments and other agricultural machinery. Farming equipment is essential, and we understand the right machine can make a big difference to productivity, timing and cash flow.
Can I finance used farm machinery?
Yes, used farm equipment finance is very common. Lenders may look at the asset's age, hours, condition, service history, seller and resale value. We'll help you gather the right information so the lender can properly understand the machine and the role it will play in your farm operation.
Can repayments be structured around seasonal income?
Potentially, yes. Some lenders may consider repayment structures that better match farm cash flow, such as seasonal or tailored repayments. This can be helpful when income is tied to harvests, livestock cycles or contract payments. We'll help you explore options that feel practical for the way your farm earns income.
Can I get finance approval before buying at auction?
Yes, conditional pre-approval may be available before an auction. This helps you set a clear bidding limit and understand what the lender will need after the sale. We'll help you prepare early, because farm equipment auctions can move quickly and it's always nicer to bid with confidence.
Can new farmers or family farms apply for equipment finance?
Yes, but the application may need to be structured carefully. Lenders may consider farming experience, land ownership or lease arrangements, contracts, cash flow, assets, liabilities and family support within the operation. We'll take the time to understand your farm and help find a finance pathway that makes sense.
Can I include implements or attachments in the loan?
Often, yes. Implements, attachments, GPS systems, fronts, trailers and other related equipment may be included if they are part of the overall farming setup. We'll help make sure invoices and asset details are clear so the lender can assess the full package, not just the main machine.