Livestock equipment finance from 48+ Australian lenders.

Cattle yards and crushes, sheep handlers, weigh systems, feed mixers and wagons, silos, dairy plant, robotic milking systems, shearing equipment and livestock trailers are all financed as equipment, with terms up to seven years and repayments matched to livestock sales or milk income. Portable and fixed systems are both accepted.

Yes. New farming businesses and succession arrangements are financed on the strength of the land, the farm plan and the family’s history, often with a deposit or a guarantee. Established farms with clean credit are usually approved on low documentation for modest equipment. Your broker knows which lenders back new rural businesses.

Yes. Rotary and herringbone dairies, robotic milking units, vat and cooling systems and effluent equipment are financed by agricultural lenders on terms of up to seven years and longer in some cases, with repayments matched to the milk cheque. Installation can usually be included when quoted by the supplier.

Yes. Seasonal, half-yearly and annual repayments are available so the equipment is paid for when cattle, lambs or wool are sold rather than monthly. Tell your broker when income arrives and the structure is built around it.

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.