Farm Equipment Financefor Australian Farms
Specialist farm equipment finance, also known as agricultural finance or farming finance, for established Australian growers, croppers and contractors, from broadacre cropping to horticulture and viticulture. BAS and trading history assessed directly. Tractors, headers, air-seeders, balers, sprayers and tillage bundled into one chattel mortgage, finance lease or operating lease.
- Pre-approval inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, dealer or private-sale machinery
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Built for Growers, Backed by Specialists
Whether you run a broadacre cropping enterprise, a horticulture operation, or a family farm, Equifund matches you to lenders that read farm income and machinery value correctly.
Who We Help
Specialist finance for every corner of Australian agriculture.
Broadacre Cropping Growers
Horticulture & Viticulture Growers
Hay & Silage Contractors
Dryland Cropping Operators
Agricultural ContractorsWhy Choose Us
Faster approvals and terms built around your farming operation.
Higher Pre-Approval Rates for Farm Machinery
We Move Quickly So You Do Not Miss the Window
Repayments Structured Around Your Season
Support for Family Farms and Non-Standard Profiles
Which Farm Equipment Brands Can I Finance?
Every major farm equipment brand on the Australian market, financed through specialist lenders for prime ABN profiles.
John Deere
Australia's most widely run broadacre fleet: 5, 6 and 7 Series utility tractors, 8R and 9R articulated tractors, S and X-Series combine harvesters, air-seeders and self-propelled sprayers with JDLink precision guidance.
Case IH
High-horsepower cropping specialist: Steiger 4WD and Magnum row-crop tractors, Puma mid-range models, single-rotor Axial-Flow combine harvesters and large square balers built for broadacre and harvest work.
New Holland
Utility to high-hp versatility: T4 to T9 tractors, twin-rotor CR combine harvesters, Roll-Belt round balers and windrowers, suited to mixed farming, hay and silage operations.
Kubota
The benchmark for compact and mid-utility tractors: B-Series sub-compacts, L-Series and M-Series utility models, plus loaders, implements and RTV utility vehicles for smaller and diversified farms.
Massey Ferguson
Dependable value across the 5700, 6700 and 8S Series tractors, combine harvesters, round and square balers and hay tools, a proven workhorse range for broadacre and mixed cropping operations.
Fendt
The premium European choice, known for stepless Vario CVT transmission, high-horsepower 700, 900 and 1000 Series tractors and IDEAL combine harvesters engineered for fuel efficiency and long-day productivity.
Plus Claas, Deutz-Fahr, Valtra, Krone, Kuhn, Goldacres, Bourgault and Manitou. If your brand is not listed, we still finance it.
Which Farm Equipment Finance Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cashflow position.
Chattel Mortgage
You own the equipment from the day finance settles, while your lender holds a mortgage over it as security until the loan is repaid. It is the most requested structure for GST-registered growers, since you can typically claim the GST back on the purchase price straight away and depreciation runs through your own business. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
The lender owns the equipment for the life of the agreement and you make fixed repayments to use it, with ownership transferring to you once the final payment clears. It suits growers who want the certainty of a fixed repayment structure, and the GST is spread across your payments rather than claimed as one lump sum upfront.
Finance Lease
Your lender retains legal title to the equipment for the term of the lease while you use it in your operation, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the asset, refinance the residual, or hand it back, giving you flexibility if your machinery needs change with the season.
Operating Lease
You pay to use the equipment for an agreed term, and your lender carries the risk of its residual value, not you. It suits contractors who like to keep their fleet current, since bundled servicing is often included and you simply hand the machine back and roll into newer equipment when the term ends.
Unsecured Business Loan
Funds are approved against your business's trading position rather than security over the equipment itself, so you can move quickly on a private sale or older machinery a traditional lender might decline. It typically comes with a shorter term and can settle the same day, once your trading history has been assessed.
Depreciation and car cost thresholds set by the ATO. Credit licensing regulated by ASIC.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Tell us about your farm or ag-contracting business and the machinery you are financing through our secure online form.
Speak With a Farm Equipment Finance Specialist
An Australia-based farm equipment finance specialist reviews your situation and walks you through the documents needed for the lender match.
Get Pre-Approved Over the Phone
You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your season actually flows.
Settle the Loan and Take Delivery
Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.
Real Results for Real Growers
See how Australian growers and contractors are getting the machinery they need, even with complex profiles.
What Other Equipment Can I Finance?
Equifund finances every major commercial asset class for prime ABN profiles, backed by a wide lender panel.
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Apply for Your Farm Equipment Finance
Three quick steps. An Australia-based farm equipment finance specialist gets back to you the same business day.
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Rated 5.0 on Google by Australian growers and contractors for fast pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Have Questions?
Straight answers to the questions Australian growers and contractors ask most.
What types of Farm Equipment can I finance in Australia?
We finance every farm equipment class: broadacre and row-crop tractors (John Deere, Case IH, New Holland, Massey Ferguson, Fendt), utility and compact tractors (Kubota), headers and combines, hay + forage equipment, sprayers, seeders, planters, tillage gear and grain-handling infrastructure. New, used, ex-fleet, dealer, private sale or auction.
Do I need to own farmland to qualify?
No. The specialist lender panel includes options that assess on the farm equipment asset, your grower contracts, harvest cycle income and trading history rather than requiring property as security. Matters most for share-farmers, contract harvesters and family farms that don't want to lock the farm folio.
Do I need a deposit?
$0 deposit is available for prime applications, especially established growers with active grower contracts or contract harvest agreements. New ABNs typically need contribution, but $0 deposit on the right deal is common for ongoing growers with verifiable harvest income.
Which finance option suits seasonal agriculture businesses?
Most seasonal growers use a chattel mortgage, since you own the equipment from settlement and repayments can be structured around harvest income rather than a flat monthly schedule. Contractors with steadier year-round income sometimes prefer a finance lease for the lower upfront cost. A specialist reviews your actual income pattern before recommending a structure.
What is the best farm equipment finance for a grain grower?
Most grain growers use a chattel mortgage, since it lets you claim GST and depreciation upfront while structuring repayments around harvest income rather than a fixed monthly schedule. The right structure still depends on your trading history and cash flow, so a specialist reviews your situation before recommending one.
Can repayments be structured around the harvest cycle?
Yes. Seasonal repayment structures (skip-month, harvest-end lump, quarterly-to-match-receival) are standard for broadacre and hay and lucerne growers. Specialist lenders understand seasonal farm income and can structure repayments around harvest and receival timing.
What's the difference between chattel mortgage and finance lease for farm equipment?
Chattel mortgage: you own the farm equipment, claim depreciation and GST, lender holds security. Finance lease: lender owns it, you pay rental, GST claimed on each payment. Most owner-operators run chattel for depreciation. Both available.
What is low-doc farm equipment finance?
Low-doc farm equipment finance is asset finance approved on a reduced document set, typically BAS, bank statements and the grower contract, rather than full financials and tax returns. Best suited to established growers with an active ABN.
Can I claim instant asset write-off on a farm equipment purchase?
Tax treatment depends on the structure you choose and current ATO rules. For FY26, the small business instant asset write-off threshold is $20,000 per asset for businesses under $10M turnover. Larger farm equipment purchases generally fall under standard depreciation. Consult your accountant.
How long does Australia farm equipment finance take to settle?
Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Ag-specialist lenders read your grower contracts and harvest income directly, so they move faster than major banks on farm equipment deals.
Can I finance a used tractor, header or ex-fleet machine?
Yes. Used farm equipment, including ex-fleet, dealer demo and private sale, is all financeable. Major banks have age cut-offs; specialist lenders look at machine condition, hours and service history.
Can I finance multiple machines together?
Yes. Multi-machine deals, such as a tractor, header and sprayer for a full broadacre setup, or a tractor and multiple hay implements for a hay contractor, are common. The lender panel includes options that fund packages under a master facility against the grower contract portfolio.
Can I refinance an existing farm equipment loan?
Yes. Refinance is common when an existing deal was settled at high rates, has an unfavourable structure, or is consolidating multiple machines into one master facility.
What is the best way to finance a tractor in Australia?
The best structure depends on whether you want to own the tractor from day one, which points to a chattel mortgage, or keep repayments lower with flexible end-of-term options, which points to a finance lease or operating lease. Equifund matches you to a specialist lender from a wide panel based on your ABN history and the machine you are financing.
Where Can I Get Farm Equipment Finance in Australia?
Specialist farm equipment finance across Sydney, Melbourne, Brisbane, Perth, Adelaide, Darwin, Canberra and Hobart.
Chattel Mortgage vs Finance Lease for Farm Equipment
A side-by-side breakdown of GST treatment, ownership timing and which finance structure suits your operation.
Buying Farm Machinery at Auction vs Through a Dealer
What changes about financing an auction purchase versus a dealer purchase, and how to get pre-approved before auction day.
EOFY Tax Considerations for Farm Equipment Purchases
How instant asset write-off, depreciation and GST timing interact with a chattel mortgage or lease before June 30.
Structuring Repayments Around Seasonal Farm Income
How seasonal and contract harvest income can be matched to a repayment schedule instead of a fixed monthly structure.