Can You Finance a Swather or Windrower? Yes — Most Farmers Do
Yes, you can finance a swather or windrower in Australia, and for most farmers it’s the standard way to purchase one. With machines ranging from $80,000 to $250,000, very few producers pay cash upfront. The majority use specialised agricultural lenders who understand cropping cycles, irregular cashflow, and private-sale equipment purchases.
Whether you’re upgrading from older machinery, expanding capacity for the coming season, or buying a used windrower from a clearing sale, low-doc ABN finance is designed to keep things simple. Many farmers qualify without having to provide tax returns or full financials, especially if the equipment directly contributes to crop production.
For fast approvals and lender matching based on your farm type, the Agricultural & Farming Equipment Finance page outlines the easiest path forward:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans
Why Financing Through a Broker Makes Such a Big Difference
Financing a windrower or swather through a broker gives you a major advantage because agricultural machinery isn’t a standard asset category for most banks. Lenders have very different appetites depending on the machine, age, hours, and whether it’s bought through a dealer, auction or private seller.
A broker already knows:
• which lenders will finance older windrowers
• who accepts low-doc ABN or limited financials
• how to structure repayments around harvest revenue
• which lenders move fastest during peak season
• who offers the sharpest rates for farm operators
This is why the Equipment Finance Australia – Fast Low-Doc Equipment Loans program exists — to link farmers with lenders who specialise in this asset type:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans
Farmers who use a broker almost always see faster approvals, better loan structures, and far fewer delays.
Loan Structures That Work Well for Windrowers
Swathers and windrowers often form part of a broader on-farm equipment fleet. Many farmers choose five-year terms with optional balloons, or seasonal repayment options that align with income periods.
Others combine windrower finance with business-use vehicles, which can be handled through the Small Business Car Loans pathway to keep loan management streamlined:
https://financetheride.com.au/pages/small-business-car-loans
This lets farmers free up cash for inputs such as seed, fertiliser, or chemical programs while keeping repayments predictable across the season.
Final Word: Windrower Finance Is Straightforward When You Use the Right Lender
You don’t need perfect financials, long trading history, or a bank relationship to finance a windrower or swather in Australia. Low-doc ABN lenders, supported by a broker who understands farm machinery, make the process fast, simple, and tailored to seasonal income.
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.
