Sprayer finance for broadacre and cropping businesses
Trailing, three-point-linkage and self-propelled boom sprayers — financed around spray-season cash flow.
A sprayer earns in tight application windows dictated by weather and growth stage, so the finance needs to be ready when the season calls for it, not fighting the calendar. 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 spray contractors.
A balloon that matches income to the growing season
Cropping income often arrives after harvest and sale, well after a sprayer's application windows through the growing season. A balloon (residual) keeps the monthly repayment lower through the year, 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.
Trailing, linkage or self-propelled — financed the same way
Whether it's a three-point-linkage sprayer for a smaller block, a trailing boom sprayer for broadacre work, or a self-propelled unit for a spray contracting business, the finance structure adjusts to the machine and the work it's doing. Brand and dealer choice is yours — we fit the finance around it.
Wrap the boom, tank and rate controller into one facility
The boom, tank size and rate-control or GPS guidance system can usually be included in the same chattel mortgage as the sprayer, so the gear that makes it accurate and efficient isn't a separate cash cost.
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, sprayer finance can often be arranged without tax returns or full financials, typically into six figures — usually enough for most sprayers and guidance systems.
Buying privately or at a clearing sale? We check the title
Sprayers 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 sprayer is free of someone else's finance.
Own the sprayer, claim the GST and depreciation
On a chattel mortgage your business owns the sprayer 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 boom, tank and any rate-control or GPS guidance system can typically be wrapped into the same chattel mortgage as the sprayer, so the full setup is covered in one repayment.
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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.