Seeder finance for grain growers and cropping contractors
Air seeders, precision planters and bar-and-cart combinations — financed around sowing-season cash flow.
A seeder earns in a short sowing window each year and needs to be ready the day conditions allow, so the finance should match that rhythm rather than fight it. We structure the facility around when crop income actually lands, so the repayment doesn't outrun the season. New, used or from a clearing sale — we can usually fund it.
Who it's for
Grain growers, broadacre croppers and cropping contractors.
A balloon that matches income to the growing season
Cropping income arrives after harvest and sale, well after the seeder's sowing work is done. A balloon (residual) keeps the monthly repayment lower through the growing season, with more of the cost carried by the payment made once the crop is sold. At the end of term you refinance, pay out, or trade up.
Wrap the bar, cart and tow-behind rig into one facility
An air seeder is usually a bar-and-cart combination, sometimes with a separate tow-behind or tow-between rig. These can usually be included in the same chattel mortgage as the seeder, so the complete sowing setup is one asset and one repayment.
Established farming business? Skip the financials
If your ABN has been trading a couple of years, you're GST registered and a director owns property, seeder finance can often be arranged without tax returns or full financials, typically into six figures — usually enough for most bar-and-cart combinations.
Buying privately or at a clearing sale? We check the title
Seeders bought through dealers, clearing sales or private sale are all commonly financed, including older or higher-hour units. On a private sale we run a PPSR check before settlement so you're confident the seeder is free of someone else's finance.
Get pre-approved before sowing season
Good seeders move quickly ahead of sowing, whether through a dealer or at a clearing sale. A pre-approval sets your limit before you start looking, so you're not caught short once the season's close.
Own the seeder, claim the GST and depreciation
On a chattel mortgage your business owns the seeder from settlement, so you can generally claim the GST input tax credit on the purchase and depreciate the machine over its working life. Confirm how this applies to your farm's structure with your accountant.
Talk to a specialist
Get the right rate and the right structure for your next asset. No pressure to proceed, 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 the right rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Your rate depends 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
Usually, yes. The cart, bar and any tow-behind or tow-between rig can typically be wrapped into the same chattel mortgage as the seeder, so the complete sowing setup is covered in one repayment.
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.