Farm equipment finance with repayments timed to your income.

Seasonal repayments schedule the bulk of the annual repayment to land after harvest, sale of livestock or other income events, with smaller or no payments in the months when cash is going out. A cropping operation might make one or two large payments a year after grain is delivered, while a dairy might pay monthly. Lenders that specialise in agriculture offer annual, half-yearly, quarterly and stepped structures. Your broker builds the schedule around your calendar.

Tractors, headers and harvesters, seeders and planters, sprayers, balers and hay equipment, irrigation pivots and pumps, grain handling and storage, livestock handling and shearing equipment, dairy plant, orchard and viticulture machinery, farm vehicles, drones and precision agriculture technology. New equipment from dealers and used machinery from dealers, clearing sales and private sellers are all financed.

Yes. Used tractors, headers and implements hold value well and are financed routinely, including from clearing sales and private sales with a PPSR check and an inspection or valuation. Most lenders allow machinery to be 15 to 20 years old at the end of the term, longer than for vehicles. For a clearing sale, a pre-approval lets you bid knowing what you can settle.

Headers, tractors and self-propelled machinery hold value well, so a balloon of 20 to 40 per cent is common and keeps the annual repayment down, with the machine traded to clear the balloon at the end. Implements and irrigation infrastructure that stay on the farm for their full life suit a low or zero balloon. Your broker sets the balloon against the machine’s expected value and your replacement plan.

Specialist agricultural lenders look at the enterprise as a whole: land owned or leased, the history of yields or livestock sales, forward contracts, existing debt and the equipment’s role in production. Established farming families with a track record are generally well regarded, and lenders understand that income arrives in lumps. Low-doc equipment finance is available for established operations within limits, and larger purchases use financials.

Yes. Centre pivots, lateral movers, pumps, pipelines, grain silos, sheds, solar systems and water infrastructure can be financed, often over longer terms of up to seven years or more because they have long working lives. Because some of this becomes a fixture of the land, lenders may take it as part of a broader agribusiness facility rather than as standalone equipment. Your broker structures whichever suits.

Generally, yes. Interest on equipment finance and depreciation of the machinery are deductible for primary producers, and GST on a chattel mortgage purchase can usually be claimed on the next BAS. Primary producers also have access to specific depreciation rules for fencing, water facilities and fodder storage. Confirm the treatment with your accountant, as farm structures and averaging rules vary.

Two to five business days for most applications, and same day within low-doc limits for established operations. Dealer purchases settle on the invoice; clearing sales and private purchases take a few days longer for checks. Because seasonal timing matters, tell your broker when the machine needs to be on the farm, whether that is before seeding or before harvest, and the approval is scheduled around it.

Yes. Telehandlers are increasingly the do-everything machine on farms for bale handling, grain and sheds, and agricultural lenders finance them with seasonal repayment structures matched to harvest or livestock sale income. Ask your broker for a seasonal or annual repayment profile if cash flow is lumpy.

Yes. Agricultural lenders offer seasonal, half-yearly and annual repayment structures so a tractor’s repayments fall after harvest, wool or livestock sales rather than monthly. Some allow a repayment holiday in the first months while the machine goes to work. Tell your broker how your income arrives and the structure is built around it.