Repayments that match the season
Farm equipment finance with repayments timed to your income.
Tractors, headers, irrigation and handling equipment funded by lenders who understand seasonal cash flow. Your broker structures the repayments around your calendar.
What is a agricultural equipment finance?
Agricultural equipment finance is asset-backed lending for tractors, headers, irrigation, livestock handling and other farm plant, commonly structured with annual or seasonal repayments timed to harvest and livestock sales. Terms run up to seven years and lenders understand that farm income arrives in lumps.
Farm income does not arrive monthly. A cropping operation may receive most of its revenue across a few weeks after harvest; a cattle producer at two or three sale points a year. Agricultural financiers accommodate this with annual, semi-annual or seasonal repayment schedules, and with structured commencement dates that push the first payment to after the next harvest. That is standard practice with specialist lenders and unavailable from most generalist ones.
Farm machinery holds value well and works few hours per year relative to construction plant, so lenders will fund older equipment over longer terms than they would elsewhere. A fifteen-year-old tractor in sound condition is financeable; the same age in an excavator often is not. Brand and dealer support matter, with the major green and red brands attracting the deepest resale markets and the sharpest pricing.
The instant asset write-off and related small business depreciation measures have changed repeatedly over recent years, and thresholds materially affect when it makes sense to buy. Financing an asset does not change your entitlement to a deduction, but timing does. Confirm the current rules with your accountant before committing to an end-of-financial-year purchase.
Agricultural equipment finance at a glance
| Amount | $20,000 – $3,000,000 |
|---|---|
| Term | 12–84 months |
| Rate type | Fixed |
| Indicative rates (Q3 2026) | 6.7% – 14% p.a. · see rate history |
| Security | Secured by the asset |
| Repayments | Monthly, annual or seasonal to match income |
| Typical speed | 2–5 business days |
| Best for | Cropping, grazing and mixed farming operations buying machinery or irrigation infrastructure |
| Consider something else if | Land purchases, which need an agribusiness property loan rather than equipment finance |
| Tax | Interest and depreciation on farm plant are generally deductible, and instant write-off thresholds change. Confirm with your accountant. |
Advantages
- Annual and seasonal repayment schedules available
- Longer terms on used machinery than other asset classes
- Structured start dates can defer the first payment to after harvest
Trade-offs
- Seasonal structures concentrate a large payment in one month
- Drought or a failed season still leaves the repayment due
- Land and water entitlements are not covered by equipment finance
How to apply for a agricultural equipment finance
- 01
Machine and calendar
What you are buying, and when income actually lands across your production cycle.
- 02
Build the schedule
Your broker sets annual, seasonal or monthly repayments and any deferred start with lenders that support them.
- 03
Settle before the season
The financier pays the dealer or seller so the machine is on farm when it is needed.
Documents lenders commonly ask for
- ABN and property details
- Dealer invoice or auction contract
- Financials, or bank statements for low-doc applications
What people finance with a agricultural equipment finance
Lenders we compare for this
Metro Finance, Angle Finance, NAB, Flexicommercial, Pepper Money and others on our panel. See the full panel.
Estimate your repayments
- Number of repayments
- 48
- Total interest (est.)
- $13,904
- Total repaid (est.)
- $88,904
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
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.