Farm Equipment Finance for Australian Farmers and Agribusiness
Finance tractors, headers, sprayers, balers, livestock handling and farm vehicles. Specialist agribusiness asset lenders, seasonal repayment structures, used and new.
Subject to lender assessment and approval. ACL 384704.
Farm Equipment — Quick Guide
- Structure — chattel mortgage most common
- Term — 1–7 years
- Seasonal repayments — available with specialist agri lenders
- New & used — both accepted; valuations on used
- Deposit — 0–25% depending on profile
- Tax — GST + depreciation + interest deductible (confirm)
Farm Equipment Categories
Specialist agribusiness asset lenders covering broadacre, livestock and horticulture.
Tractors & Headers
New and used tractors, headers, combines.
- Specialist agri panel
- Big-ticket assets often longer terms
- Used machines routinely financed
Sprayers & Spreaders
Self-propelled and trailing sprayers, spreaders, seeders.
- Seasonal repayment structures fit well
- Often paired with tractor deals
- Specialist lender pricing
Livestock Handling
Crushes, races, scales, feed mixers, mustering bikes.
- Smaller-ticket auto-decisioned
- Bundled deals possible
- Suits cattle, sheep, dairy
Farm Vehicles & Trailers
Utes, trucks, livestock trailers used on-farm.
- Treated as business vehicles
- GST upfront on chattel mortgage
- Combine with farm equipment deal
What Agri Lenders Look For
- ABN trading history
- Last 1–2 years tax returns + financials (full-doc)
- Cash flow forecast — useful for seasonal structures
- Asset & liability position (including land if applicable)
- Equipment invoice / dealer quote
- Insurance commitment
Frequently Asked Questions
Can I structure repayments around harvest or sale season?
Yes. Specialist agri lenders offer seasonal repayment structures (for example annual or six-monthly payments aligned to harvest or stock turnoff). This is one of the main reasons to use an agri-experienced lender rather than a generic asset financier.
How old can a used tractor or header be?
Most lenders accept used farm equipment up to about 10–15 years at start of term, with the asset’s value supported by inspection or recent comparable sales. Specialist agri lenders are flexible on well-maintained machines.
Can I bundle tractor + implements in one finance deal?
Yes — tractor plus front-end loader, slasher, sprayer or seeder can be financed in one package, provided invoices are documented properly. Some operators prefer separate facilities so they can swap implements later.
Adding farm equipment?
Speak with Jorden about specialist agri lenders, seasonal repayments and how to structure the deal around your operating cycle.