Agricultural finance for different business needs
Depending on the business and lender, finance may be considered for:
- Farm machinery
- Commercial vehicles
- Seasonal working capital
- Property and land
- Business expansion
- Refinancing
- Business acquisition
- Succession-related transactions
The structure should reflect both the purpose of the finance and the timing of agricultural cash flow.
Funding around seasonal operating cycles
Agricultural revenue does not always follow a monthly pattern.
Operating costs may need to be funded months before crops are harvested or revenue is collected.
Where appropriate, finance may be structured with consideration of production cycles, seasonal expenses and expected receipts, subject to lender criteria.
Related Service:
Finance for machinery and farm assets
Potentially financeable assets may include:
- Tractors
- Harvesters
- Seeders
- Sprayers
- Earthmoving equipment
- Trucks
- Utes
- Trailers
- Handling equipment
- Other specialist machinery
Used equipment may also be considered depending on age, condition, value and lender requirements.
Related Service:
Finance beyond the operating season
Longer-term requirements may include property acquisition, refinancing, expansion, ownership changes and succession transactions.
These can involve more complex considerations around cash flow, security, ownership and professional advice.
Related Service:
Related Services
Surety Bonds / Bank Guarantees
Facilities supporting tenders, contracts, leases and other commercial obligations.
Debt Advisory Services
Review existing facilities and broader debt structures.
Insurance Premium Funding
Spread eligible business insurance premiums across instalments rather than absorbing the full annual cost at once.
Agriculture finance FAQs
Can agricultural repayments be structured around seasonal cash flow?
Some lenders may consider seasonal structures depending on the business, facility and production cycle.
Can used farm machinery be financed?
Potentially. Age, condition, value and remaining useful life may influence lender assessment.
Is finance available for agricultural property?
Potentially, depending on the property, borrower, intended use and lender criteria.
What information may lenders require?
Financial statements, cash flow information, existing debt, asset details, production information and the purpose of the finance may all be relevant.