Tractor finance for farms and agricultural contractors
Compact, utility and high-horsepower tractors, plus the implements that go with them — financed around when farm income actually lands.
Farm income doesn't arrive evenly through the year, and a tractor repayment shouldn't pretend it does. We structure the finance around harvest, sale yards or contract timing, so the machine is working for you well before it's fully paid off. New or used, any brand — we can usually fund it.
Who it's for
Farmers, agricultural contractors and rural businesses buying compact, utility or high-horsepower tractors.
A balloon that matches income to harvest, not the calendar
Farm income often arrives in a lump after harvest or a livestock sale, not evenly across twelve months. A balloon (residual) keeps the monthly repayment lower through the growing season, with more of the cost carried by the payment you make once the crop or stock is sold. At the end of term you refinance, pay out, or trade up.
From compact utility to high-horsepower row-crop
Whether it's a compact tractor for yard work and small acreages, a mid-size utility tractor for a mixed farm, or a high-horsepower row-crop unit for broadacre cropping, the finance structure adjusts to the machine and the job it's doing. Brand and dealer choice is yours — we fit the finance around it.
Wrap loaders, slashers and seeders into the one facility
Front-end loaders, slashers, seeders, spray booms and other implements can usually be included in the same chattel mortgage as the tractor, so the gear that makes it useful on your property 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, tractor finance can often be arranged without tax returns or full financials, typically into six figures — usually enough for most tractors and attached implements.
Buying privately or at a clearing sale? We check the title
Tractors 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 tractor is free of someone else's finance.
Own the tractor, claim the GST and depreciation
On a chattel mortgage your business owns the tractor 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. Front-end loaders, slashers, seeders and spray booms can typically be wrapped into the same chattel mortgage as the tractor, so the full 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.