Ready to Finance Your Next Harvester?
Complete the details below to fast track your finance application.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
30-second check. No impact on your credit score.
Choose your industry
Choose the category that best describes your finance requirement.
Transport & Logistics
Farming & Agriculture
Construction & Earthmoving
Other
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Seasonal repayments aligned to harvest
Pay more after harvest when cash flow is strong, less during planting and growing seasons. Repayments matched to your actual income cycle.
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All harvester brands and types
John Deere, Case IH, New Holland, Claas, Fendt, Massey Ferguson, and more. Combine harvesters, headers, draper fronts, and specialty units.
Fast pre-season approvals
Get finance sorted before harvest starts. We process applications quickly so you can secure the right machine at the right time.
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Finance for contractors and owner operators
Whether you own the farm or contract across multiple properties, we have lender options for your situation and income profile.
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Self propelled combine harvesters
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Draper front and auger front headers
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Grain carts and field bins
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Stripper front headers
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Class 5 to Class 10 combines
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GPS and yield mapping equipped
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Self propelled cane harvesters
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Cane haul out equipment
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Billet planting machines
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Ratoon management equipment
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Green cane harvesting units
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Cane transport trailers
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Grape and wine harvesters
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Cotton pickers and strippers
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Olive and nut harvesters
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Vegetable harvesters
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Berry and soft fruit harvesters
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Seed crop harvesters
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Self propelled forage harvesters
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Pull type forage harvesters
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Mower conditioners
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Round and square balers
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Bale wrappers and accumulators
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Silage wagons and trailers
HOW THE PROCESS WORKS
How Harvester Finance Works
A straightforward process designed to get you from application to approval quickly.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Can I get seasonal repayments for my harvester loan?
Yes. Seasonal repayment structures are one of our most popular options. Pay more after harvest and grain sales, less dur
Can I finance a used or second hand harvester?
Yes. We finance used harvesters of all ages. Older machines in good condition with service records regularly qualify for
What harvester brands do you finance?
All major brands including John Deere, Case IH, New Holland, Claas, Fendt, Massey Ferguson, and more. We also finance sp
Can I finance a harvester and header together?
Yes. We can bundle your harvester with headers, carts, and other harvest equipment into a single finance package for sim
How quickly can I get approved before harvest?
Pre-approval is often within hours. We recommend applying at least 2 to 4 weeks before your harvest window to allow time
Do I need a deposit for harvester finance?
Many lenders offer zero deposit harvester finance. If a deposit improves your rate, your broker will advise you upfront.
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805