Can You Finance a Nut Harvester or Tree Shaker? Yes — Orchard Growers Do It All the Time
Yes, you can finance nut harvesting machines and tree shakers in Australia, including almond shakers, macadamia harvesters, sweepers, and collection units. With equipment typically ranging from $90,000 to $300,000, most orchard operators use machinery finance rather than tying up large amounts of capital.
Orchard machinery is considered high-value, income-producing equipment — making it a perfect match for low-doc agricultural lending. Whether you’re upgrading your shaking system, adding a second harvester for peak season, or buying a used unit out of California or Spain, lenders who specialise in farm machinery generally approve these assets quickly.
To compare the lenders and pathways designed specifically for agricultural machinery, 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 Matters So Much for Orchard Machinery Finance
Nut harvesting equipment is specialised — and not every lender understands it. This is where a broker becomes extremely valuable. Instead of wasting time with lenders who don’t fund orchard machinery, a broker guides your application straight to the ones that do.
A broker already knows:
• which lenders finance almond and macadamia shakers
• who is comfortable with imported orchard equipment
• which lenders accept low-doc ABN applications
• who is willing to fund older harvesters or high-hour units
• which lenders approve private-sale and seasonal-condition purchases
• how to structure your repayments around harvest income
The Equipment Finance Australia – Fast Low-Doc Equipment Loans system is built exactly for this — helping growers secure the machinery they need without delays or unnecessary paperwork:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
When you use a broker, your loan is packaged properly from the start, increasing your chances of fast approval at a competitive rate.
How Orchard Growers Usually Structure Their Machinery Loan
Nut harvesting is highly seasonal, so growers often choose repayment schedules that match their yield and delivery periods. Five-year terms with optional balloons are common, helping keep repayments stable while maintaining cashflow for fertiliser, pruning, irrigation upgrades and labour.
Many orchard operations also use the Small Business Car Loans program to finance utes, tractors, trailers and support vehicles under the same business structure:
https://financetheride.com.au/pages/small-business-car-loans
Bundling business-related vehicles into one streamlined finance setup keeps your ongoing costs predictable and frees up capital for orchard development.
Final Word: Nut Harvester & Tree Shaker Finance Is Straightforward With the Right Lender
Orchard machinery is expensive, but lenders know it’s essential income-producing equipment. With a broker guiding your application to the right lender — and structuring repayments around seasonal cashflow — approvals are typically quick, low-doc and easy to manage.
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.
