Agri finance
Machinery finance that runs on your season.
Equipment, vehicle and seasonal finance for farms and ag contractors, with repayments timed to when the money comes in.
What we finance
- Headers, tractors, seeders and spray rigs
- Chaser bins, grain and livestock trailers
- Trucks, utes and farm vehicles
- New, used and private-sale machinery
- Seasonal working capital and overdrafts
- Refinancing existing equipment and facilities
How we approach it
- Repayments on your seasonAnnual, half-yearly or monthly repayments, timed to harvest, wool or livestock sales, with balloons and deferred starts where they help.
- Dealer finance, comparedBring the dealer's offer. We put it beside the banks and specialist lenders, so you see the true cost before you sign.
- The whole farm in viewEach loan is sized against the seasonal cashflow and the debt you already carry, so this year's machine doesn't squeeze next year's crop.
Before the annual review
Farm cashflow & bank review pack
An annual budget and month-by-month seasonal cashflow built from your own numbers, with debt capacity tested against a poor season. Delivered ahead of the bank's annual review, so you walk in with the answers.
Questions
Can repayments match harvest?
Yes. Many lenders offer annual or half-yearly repayments timed to when your income arrives, and some allow a deferred first payment. Dairy and other monthly incomes can stay on monthly repayments.
Can you beat the dealer's finance offer?
Sometimes, and sometimes the dealer's promotional rate is the best deal. We compare it with bank and specialist lender options on total cost, fees, balloon and flexibility, and tell you plainly which is better.
Do you finance used and private-sale machinery?
Yes. Used and private-sale equipment can be financed, subject to the age and condition of the asset and the lender's criteria. A valuation or inspection is sometimes needed.
What does the lender need to see?
Usually two years of financials and tax returns, your current debts, and details of the asset. For larger deals a budget and seasonal cashflow help, and we can prepare those.
Send the quote or the dealer's finance offer. We'll tell you straight whether it can be beaten.