Finance for agriculture, shaped around how you get paid.

Yes. Agricultural lenders offer seasonal, half-yearly and annual repayments so machinery and working capital are paid for when grain, wool, livestock or milk income arrives rather than monthly, and some allow a repayment holiday while a crop is in the ground. Tell your broker when income arrives and the structure is built around it.

A seasonal line of credit or a working capital loan secured against the farm covers seed, fertiliser, chemicals, fuel and contractors through the growing season and is repaid from the harvest. Some input suppliers offer finance, and a broker compares it against the panel. Livestock producers use the same structure across the sale cycle.

Yes. Clearing sale and private purchases are financed with a PPSR clearance, an inspection and a signed sale agreement, and lenders are relaxed about the age of tractors and headers from major brands. Pre-approval before the sale lets you bid with confidence and settle to the vendor within days.

Yes. Rural property loans fund land purchases, water entitlements and farm improvements against the value of the land and the enterprise’s earnings, usually over 15 to 30 years. Lenders look at the farm’s history, the combined operation’s cash flow and equity. Lyft Money works with agribusiness lenders as well as the major banks.

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.