Agribusiness Finance for Primary Producers
For farmers, graziers, growers and rural contractors financing machinery, vehicles and equipment. Tell us what you're buying and how your operation runs, and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- Family farms and primary producers: grain, livestock, dairy, cotton, horticulture and mixed operations
- Rural contractors: harvesting, spraying, hay and silage, fencing and earthworks
- Growers upgrading water: pumps, pivots and irrigation systems
- Producers with lumpy income: where most of the year's money comes in after harvest or sales
- Farmers whose returns are behind: low doc options may suit established operations
- Buyers at clearing sales and auctions: used machinery bought privately or under the hammer
What's commonly financed
| Category | Examples |
|---|---|
| Tractors and harvest | Tractors, headers and harvesters, fronts, chaser bins |
| Cropping and hay | Seeders, air carts, boom sprays, balers, mowers and rakes |
| Water | Pumps, centre pivots and lateral moves, irrigation systems |
| Livestock | Cattle and sheep yards, crushes, scales and handling systems, stock crates |
| Vehicles | Farm utes, ATVs and side-by-sides, trucks and trailers |
| Storage | Silos and grain storage |
Mobile machinery is generally the easiest to finance because it holds resale value. Equipment that's fixed to the land can be harder to use as security, so some lenders treat it differently.
How lenders look at farm income
- Two years, not one: lenders often look at more than one year of figures to smooth out a good or poor season.
- Seasonal repayments: some lenders can structure repayments around your cash flow, for example larger payments after harvest or sales, instead of equal monthly amounts.
- Off-farm income: wages, contracting work or rental income can support an application.
- Experience and land: years on the land and owning the property both count in your favour.
- Used and auction purchases: many lenders finance used machinery, but may want a valuation, a tax invoice or proof of the sale price.
Loan types and tax
A chattel mortgage is the usual choice: the business owns the machinery, may claim interest and depreciation for the business-use portion, and if GST-registered may be able to claim the GST credit upfront. Finance leases and hire purchase are also available. Small businesses with turnover under $10 million can immediately deduct eligible assets costing less than $20,000 each under the instant asset write-off, made permanent from 1 July 2026. Primary producers have some tax rules of their own, so confirm the treatment with your accountant.
How it works
- Tell us about your operation and what you're buying in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Photo ID for each owner, director or partner
- ABN, GST registration and entity details (partnership, company or trust)
- Tax returns or financial statements, often for the last two years, or BAS and an accountant's letter for low doc
- Business bank statements
- Details of the asset: make, model, year, price, and dealer invoice, auction or clearing sale details
- Details of land owned and existing debts, including other equipment finance
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Agribusiness finance guides
- Low doc loans for agricultural businesses
- How low doc loans work for seasonal businesses
- Equipment finance
- Trailer finance
- What is a chattel mortgage?
- How GST affects business finance
- Small business car loans
Common questions
Can repayments be matched to harvest or sales?
Some lenders offer seasonal or irregular repayment schedules for primary producers, such as larger payments after harvest. Not every lender does, so ask your broker which options suit your cash flow.
Can I finance used machinery from a clearing sale or auction?
Often, yes. Many lenders finance used and privately sold machinery, although they may ask for a valuation or proof of the sale price, and some have limits on age. It's worth talking to a broker before the sale.
We had a poor season last year. Will that stop us?
Not necessarily. Lenders often look at more than one year of figures and understand that farm income varies. Your broker can help explain the season and present the full picture.
Can I finance a farm ute or side-by-side?
Yes, farm utes, ATVs and side-by-sides are commonly financed for business use, either on their own or alongside other machinery.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.