Can You Finance a Grain Silo or On-Farm Storage System? Yes — It’s a Standard Option for Growers
Yes, you can finance grain silos and on-farm storage systems in Australia, and most cropping operations do. With prices ranging from $20,000 to $400,000, depending on capacity and configuration, silos sit firmly in the range that agricultural lenders are most comfortable funding under low-doc ABN lending.
Grain silos improve storage efficiency, protect against spoilage, and allow growers to market grain when prices are higher — all of which make them income-producing assets in the eyes of lenders. This means approvals are fast, documentation is minimal, and terms can be tailored to harvest cycles.
For an overview of all available low-doc equipment options for Australian growers, visit the Agricultural & Farming Equipment Finance page:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans
Why Using a Broker Makes Grain Silo Finance Faster and Easier
Grain storage systems come in countless sizes and configurations — flat-bottom silos, cone silos, modular systems and aerated bins — and each lender assesses them differently. A broker simplifies everything by matching your farm’s setup with a lender that already understands grain infrastructure.
A broker helps by knowing:
• which lenders approve on-farm storage systems under low-doc ABN
• who funds construction, installation, and associated works
• which lenders are comfortable with private-sale or dealer projects
• who can approve fast before harvest or delivery deadlines
• how to structure repayments around seasonal cropping income
That’s exactly what the Equipment Finance Australia – Fast Low-Doc Equipment Loans pathway is designed for — connecting growers directly with lenders who specialise in agricultural assets rather than general business loans:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Growers using brokers often experience faster approvals, fewer delays and better repayment flexibility.
How Farmers Typically Structure Their Grain Silo Loan
Grain silos and storage systems are usually financed over five- to seven-year terms, particularly for larger infrastructure projects. Many growers include a balloon to keep repayments low leading up to harvest or seeding periods.
Because on-farm storage often goes hand-in-hand with vehicle or machinery upgrades, many farmers consolidate transport and support vehicles under the Small Business Car Loans program for smoother management and cashflow alignment:
https://financetheride.com.au/pages/small-business-car-loans
This keeps capital free for fertiliser, seed, fuel and maintenance during busy seasons.
Final Word: Grain Silo Finance Is Straightforward With the Right Lender
Grain silos and storage systems are high-value, productivity-enhancing farm assets — and lenders recognise their importance. When a broker structures your application and submits it to an agricultural lender who understands cropping, approvals are typically fast, low-doc and timed around your harvest cashflow.
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.
