Irrigation equipment finance from 48+ Australian lenders.

Yes. Centre pivots, lateral moves, pump stations, mainlines, drip systems and control technology are financed as equipment even though they are installed, with terms up to seven years and sometimes longer for pivots given their 20-year lives. Some lenders treat fixed irrigation as a farm improvement loan instead; your broker chooses the structure with the best rate and tax outcome.

Often, yes. Installation, trenching, electrical connection and commissioning can be financed with the equipment when quoted by the supplier, up to a sensible proportion of the total. Large earthworks such as dams and channels are usually funded through a farm loan rather than equipment finance.

Yes. Seasonal, half-yearly and annual repayments are available so the system is paid for from the crops it waters. Some lenders offer a repayment holiday while the first irrigated crop grows. Tell your broker when income arrives and the structure is built around it.

Yes. Solar arrays powering pumps, variable speed drives and energy-efficient pumps can be financed with the irrigation equipment, and some lenders offer green equipment pricing. Energy savings often cover a good part of the repayment, which strengthens the application.

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.