Farm & agricultural finance that follows the seasons
Harvesters, sprayers, irrigation and livestock handling, with repayments timed to harvest, not the calendar.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How farm & agricultural finance works with us
Farm income is uneven, so why not repayments? Ag lenders offer seasonal structures timed to harvest or sales.
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Your broker works with ag-specialist lenders and larger lenders’ agribusiness teams who understand how farms run.
- Harvesters and headers
- Sprayers and seeders
- Irrigation systems
- Livestock handling
- Silos and storage
- Farm vehicles
Seasonal repayments
Match repayments to when cash comes in.
Ag specialists
Lenders who know commodity cycles and farm operations.
New and used
Dealer or clearing-sale purchases.
Whole-of-farm view
We look at your whole operation, not one asset.
Seasonal repayments and how ag lenders assess a farm
Seasonal structures let you pay more when income arrives and less in lean months, agreed upfront from your farm records. Ag lenders usually assess the whole operation, which can help when one year was poor but the trend is sound.
Read the full explanation
Seasonal repayment structures let you pay more when income arrives and less, or nothing, during the lean months. A grain grower might make larger payments after harvest, while a cattle producer might align them with sale times. Some lenders offer quarterly, half-yearly or annual repayments, or skip-payment months. The structure needs to be agreed upfront and based on a realistic picture of when money comes in, so lenders usually ask for a few years of farm financials or production records.
Ag lenders tend to look at the whole operation rather than a single asset. They consider land holdings, existing debt, production history, water access and how the farm has handled tough seasons before. This whole-of-farm view can help where one year was poor but the longer trend is sound. Your broker can approach both the agribusiness teams at larger lenders and specialist equipment financiers, depending on whether you need machinery, infrastructure or working capital.
- Grain, livestock and mixed farms
- Horticulture and viticulture businesses
- Clearing-sale buyers
- Operations investing in irrigation or storage
Pros and watch-outs
Pros
- Repayments aligned with harvest or sale income
- Lenders who understand farm cycles
- Whole-of-farm view, not one bad year
- Machinery, infrastructure and working capital options
Watch-outs
- !Seasonal terms need documented, realistic income timing
- !Drought or poor seasons can still stretch repayments
- !Land-secured facilities take longer to arrange
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Depends on lender, asset and overall strength of the operation.
Seasonal structure
Interest can build between irregular repayments, so total cost may differ from monthly terms.
Fees
Establishment and account fees vary between ag lenders and financiers.
Valuation
Larger land-secured facilities usually need a property valuation.
Insurance
Machinery and crop insurance may be required or strongly advisable.
Tips to strengthen your application
- 1Map when income arrives before choosing a schedule
- 2Keep production records to show lenders the longer trend
- 3Talk to your broker early if a season looks tough
- 4Ask your accountant about tax before big purchases
What you’ll need
What you’ll need
- ABN and business registration
- Driver's licence (each director or owner)
- Recent business bank statements
- BAS or financials (full-doc loans)
- Asset invoice or quote
- Recent farm financials or production records
What lenders look for
- Active ABN (some lenders want 12+ months; others accept newer)
- GST registration for larger or low-doc deals
- Mainly business use (usually over 50%)
- Clear owner or director credit, or a good explanation for issues
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Farm & agricultural finance: common questions
What are seasonal repayments?
Instead of equal monthly repayments, you pay more when income arrives, such as after harvest, and less in between.
Can I finance equipment from a clearing sale?
Yes. Pre-approval helps you bid with confidence.
What if we had a poor season?
Lenders who specialise in agriculture understand good and bad years. Be upfront with your broker.
Can I finance irrigation infrastructure?
Often, yes. It depends on whether the asset can be secured.
Can I get farm finance after a drought?
Some lenders will consider applications after drought, particularly if your longer-term production history is sound. They may look at how the farm has recovered and any changes made. It depends on the lender and your overall position.
What documents do ag lenders ask for?
Typically recent farm financials, tax returns, production records and details of existing debts and land. For equipment, a quote or invoice is needed. Your broker will tell you what each lender wants.
Is there finance for farm infrastructure like sheds and silos?
Yes, some lenders finance sheds, silos, fencing and water infrastructure. These may be funded through equipment finance or a broader farm facility, depending on the asset and lender.
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