Can You Finance a Deep Ripper or Subsoiler? Yes — Lenders Approve Them Regularly
Yes, you can finance a deep ripper or subsoiler in Australia, and most broadacre farmers do exactly that. With prices typically ranging from $15,000 to $65,000, these machines fall neatly into the low-doc ABN lending range used widely across grain, pasture and mixed farming operations.
Deep rippers and subsoilers are considered essential soil-management tools because they address compaction, improve root penetration and boost yield potential. Since they directly contribute to farm productivity, lenders view them as strong, income-generating assets — which makes approvals fast and generally uncomplicated.
If you want a clear breakdown of the loan pathways that agricultural lenders use for tillage equipment, 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 Deep Ripper Finance Faster and Easier
Even though deep rippers are relatively straightforward equipment, not every lender approaches them the same way. Some treat implements like “secondary” assets and may require more paperwork, while others approve them instantly under low-doc programs. A broker knows exactly which lenders are comfortable with tillage gear and which ones will slow you down.
A broker strengthens your application because they understand:
• which lenders approve deep rippers with minimal financials
• who allows private-sale, dealer and auction purchases
• which lenders accept older or heavier-wear implements
• who provides the quickest turnaround during peak planting or ripping seasons
• how to structure repayments around cropping cycles
This lines up perfectly with the Equipment Finance Australia – Fast Low-Doc Equipment Loans pathway, which connects farmers directly with lenders who specialise in agricultural machinery rather than general-purpose business loans:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Growers who use brokers typically experience fewer delays, sharper pricing and far less paperwork.
How Farmers Usually Structure Their Deep Ripper Loan
Deep rippers and subsoilers are commonly financed over three- to five-year terms, often with a balloon to reduce monthly repayments. Because these implements are often purchased alongside complementary machinery — such as harrows, seeders or tractors — many farmers streamline their overall finance setup using the Small Business Car Loans program for their utes, trailers and support vehicles:
https://financetheride.com.au/pages/small-business-car-loans
This gives the farm predictable monthly commitments while preserving working capital for seed, fertiliser, fuel and repairs.
Final Word: Deep Ripper & Subsoiler Finance Is Straightforward With the Right Lender
Deep rippers and subsoilers are essential soil-conditioning tools, so lenders are very comfortable financing them. With a broker directing your application to the right agricultural lender — and structuring the loan around cropping seasons — approvals are typically fast, low-doc and stress-free.
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.
