Can You Finance a Bed Former or Hiller? Yes — These Implements Are Very Finance-Friendly
Yes, you can finance a bed former or hiller in Australia, and most vegetable growers, potato producers and horticulture businesses choose finance rather than paying upfront. With prices typically ranging from $12,000 to $50,000, bed formers and hillers sit perfectly within the low-doc lending range that agricultural lenders prefer.
Because these implements directly improve crop establishment, irrigation efficiency and planting accuracy, lenders view them as strong, income-generating assets. Whether you’re buying new from a dealer or picking up a used unit from a clearing sale, approvals are usually fast and straightforward.
For a clear overview of the low-doc options available to growers, the Agricultural & Farming Equipment Finance page is the best place to begin:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans
Why Using a Broker Makes Bed Former Finance Simple and Fast
Even though bed formers and hillers are relatively simple implements, different lenders treat agricultural equipment in very different ways. Some require full financials, others won’t touch private-sale equipment, and some decline older implements — but a broker knows exactly which lenders are comfortable financing horticulture machinery.
A broker is a major advantage because they know:
• which lenders approve bed formers under low-doc ABN criteria
• who accepts dealer, private-sale or auction purchases
• which lenders are comfortable with older, reconditioned or imported units
• who can offer rapid approvals during peak planting seasons
• how to structure repayments around crop cycles
This is why the Equipment Finance Australia – Fast Low-Doc Equipment Loans pathway works so well for growers — it connects your application directly to lenders who understand horticulture equipment and want to finance it:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Growers who use brokers typically enjoy faster turnaround times and far fewer document requests.
How Farmers Typically Structure Their Bed Former or Hiller Loan
Most growers finance these implements over three- to five-year terms. Some choose a balloon to keep repayments manageable, especially during periods where cashflow is tied to planting and harvest seasons.
Horticulture operations often finance multiple support vehicles — utes, trailers, forklifts — under the Small Business Car Loans program to consolidate everything under one manageable finance structure:
https://financetheride.com.au/pages/small-business-car-loans
This keeps operational cashflow stronger during times where labour, fertiliser and irrigation costs peak.
Final Word: Bed Former & Hiller Finance Is Straightforward With the Right Agricultural Lender
Bed formers and hillers play a critical role in modern horticulture, and lenders recognise their value. With a broker guiding your application to an ag-focused lender — and structuring repayments around real farm cashflow — approvals are nearly always fast, simple and low-doc.
DISCLAIMER
The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.
