Agricultural equipment finance · Agriculture
Agricultural equipment finance for agriculture
Agricultural finance is lending structured around a single annual income event, using seasonal repayments, equipment finance for machinery and working capital that carries a farm from planting through to sale.
How a agricultural equipment finance works for agriculture
Agricultural equipment finance is where the seasonal structures live. A header used for four weeks a year can be written over five to seven years with a single annual repayment timed a month after the crop is sold, so the machine is paid for out of the income it helped produce. Lenders that specialise in ag understand hours, condition and the resale market for used machinery, and will consider older gear than a general equipment lender. Balloons are common on tractors that will be traded on a cycle.
The cash-flow pattern we plan around
Costs spread across the growing season with income concentrated into a harvest, shearing or livestock sale window, sometimes only once a year.
What agriculture typically fund
- Tractors, headers and implements
- Irrigation and water infrastructure
- Seed, fertiliser and chemical before planting
- Livestock purchase and handling equipment
- Silos, sheds and on-farm storage
Agricultural equipment finance for agriculture: the numbers
| Typical amounts | $20,000 – $3,000,000 |
|---|---|
| Term | 12–84 months |
| Indicative rates | 6.7% – 14% p.a. |
| Repayments | Monthly, annual or seasonal to match income |
| Speed | 2–5 business days |
| Documents agriculture usually need | ABN and land ownership or lease details · Two years of tax returns and financials · Machinery quote or livestock purchase details |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Agricultural equipment finance
Agricultural equipment finance is secured lending for farm machinery such as tractors, headers, sprayers and irrigation systems, commonly written over three to seven years with annual or seasonal repayments aligned to harvest income.
Seasonal repayment structure
A seasonal repayment structure is a loan schedule where repayments fall due when farm income arrives — annually after harvest or in set months — rather than in equal monthly instalments.
What is agricultural equipment finance?
Agricultural equipment finance is secured lending used to acquire farm machinery and infrastructure such as tractors, headers, irrigation systems and livestock handling equipment, with the equipment as security and repayments often aligned to seasonal income.
What are seasonal repayments?
Seasonal repayments are a schedule where payments fall due when farm income is received — annually after harvest, or at set livestock sale points — rather than in equal monthly instalments through the year.
Can you finance used farm machinery?
Yes. Farm equipment accumulates fewer working hours than construction plant and holds resale value well, so specialist lenders fund used tractors, headers and implements, including auction and private-sale purchases with a clear PPSR result.