Farm equipment finance built around the season
Tractors, headers, implements, irrigation and ag machinery — financed on a chattel mortgage, with repayment structures that respect how farm income actually arrives.
Farm cash flow doesn't run in even monthly instalments, and your finance shouldn't have to either. We arrange agribusiness finance — new, used or from a clearing sale — and can look at seasonal repayment structures that line up with your delivery or stock-sale months.
Who it's for
Grain growers, dairy and livestock operators, contractors and viticulture.
Repayments that fit the farming calendar
Some lenders can structure annual, half-yearly or quarterly repayments timed to your main income months — after harvest, at stock sales, or when the milk cheque lands — rather than charging evenly through the dry. It depends on the lender and the asset; we'll tell you what's achievable for your operation.
Tractors, headers, implements and irrigation
Tractors, headers and front comb, balers, seeders, sprayers, augers, irrigation plant and handling gear are all financeable on a chattel mortgage. Implements and attachments can usually be wrapped into the same facility as the prime mover, so a season's worth of gear sits under one repayment timed to your income.
Raise cash against machinery you already own
If you own a tractor, header or other plant outright, you can often borrow against it — typically up to around 90% of current market value — to free working capital for inputs, livestock, or to carry the operation between seasons. There's also sale-and-buyback within six months of a purchase. These are usually low-doc.
Established ABN and property often means no financials
Many farming operations qualify for low-doc finance: an ABN active for 2+ years, GST registered, with a director who owns property can often access finance without tax returns, BAS or bank statements — frequently into six figures, which covers a lot of ag machinery. We'll tell you honestly whether low-doc or a full submission suits you.
Own the machinery, claim the GST and depreciation
On a chattel mortgage your operation owns the machinery from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over time. Some assets may attract the instant asset write-off — confirm the current rules and your eligibility with your accountant or farm adviser.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Yes. Clearing-sale and auction purchases are well within scope — get pre-approved beforehand so you can bid with confidence, and we'll match the invoice and settle quickly once you've bought. Private sales just need a quick inspection and title (PPSR) check, which we handle.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.