Agricultural Finance for Australian Operators

We finance new, used, demonstrator, dealer and private-sale agricultural machinery across all major makes including John Deere, Case IH, Kubota, New Holland, Massey Ferguson, Fendt, Claas and Krone. Your specialist matches the finance to your work and the lender to your file.

Pre-approval is typically inside 24 hours once you submit the form. Settlement timing then depends on the lender and asset details, with many Australian deals settling within a week of pre-approval.

No. Many of our lenders score the deal on seasonal and contract income and asset value rather than requiring property security. Non-property owners regularly settle agricultural finance through Equifund.

Not always. $0 deposit is available for prime applications, especially for established operators with active seasonal and contract work. Other deals may require a deposit depending on the asset, the lender and the loan term.

Yes. We finance dealer purchases, private sales, auctions and end-of-lease buyouts. The agricultural just needs to meet the lender's age and condition requirements.

Yes. Many Australian operators refinance to access a better rate, restructure repayments around their income cycle, release equity from the asset, or consolidate multiple agricultural loans into one facility.

We have a panel of 80+ Australian lenders spanning major banks, specialist asset financiers and non-bank lenders that specifically understand seasonal and contract income and transport assets. Your specialist matches your file to the right lender for the deal.

Yes. We regularly settle multi-agricultural deals for Australian fleets, often splitting the package across more than one lender to fit each asset's spec and your overall structure.

Yes. Agriculturals, attachments, trailers and related equipment are all on the panel. Equipment security can be structured independently of agricultural finance if that better suits the deal.

A chattel mortgage gives you immediate ownership of the agricultural while the lender holds it as security. You claim GST upfront and depreciate the asset for tax. It is the most common structure for established Australian owner-operators. A finance lease keeps the agricultural on the lender's books with set monthly payments and an optional residual paid at the end of the term. Useful for fleet operators managing income cycle against vehicle turnover. Your Australia-based agricultural finance specialist will recommend the structure that suits your business and tax position. Read the full chattel mortgage vs finance lease comparison.

Seasonal and contract income recognition is how a specialist lender reads income from livestock, grain and contract income and BAS rather than treating only PAYG salary as income. Bank credit templates often miss this. Specialist lenders read seasonal and contract income accurately, which is why established Australian operators frequently get approved on deals that mainstream banks decline.

Low-doc agricultural finance is approval on a reduced documentation set, usually a Director declaration plus business activity statements or recent bank statements, rather than full financials. It is faster to process and common for established small-fleet operators in Australia who would rather not produce two years of full tax returns for a single asset purchase.

Pre-approval is a conditional finance approval issued before you commit to a agricultural. It sets the maximum loan amount, indicative rate, term and repayment structure so you can negotiate with dealers, private sellers or auction houses on solid ground. Equifund pre-approvals are typically issued within 24 hours of form submission.

An Australian Credit Licence (ACL) is a licence issued by ASIC permitting a business to engage in credit activities under the National Consumer Credit Protection Act. Equifund holds Australian Credit Licence 389328. Working with an ACL holder is a baseline regulatory protection for the borrower and a baseline trust signal for any Australian finance provider.

Yes. Specialist agricultural lenders on our panel run irregular-repayment schedules keyed to delivery weeks and seasonal income drops (harvest delivery, dairy month-end, cattle saleyard) rather than forcing calendar-month repayments.

Yes. Specialist ag lenders on our panel approve full plant orders across tractors, harvesters, headers, balers, feed mixers and farm utes as one chattel mortgage with one credit decision, secured on the combined farm income and the assets.

Yes. Lenders on our panel structure agricultural finance taking combined turnover from multiple owned and leased properties as the income base, including long-term lease arrangements and contract-farming income across neighbouring properties.