Tractor Finance Perth

We finance every tractor class: broadacre and row-crop tractors (John Deere, Case IH, New Holland, Massey Ferguson, Fendt), utility and compact tractors (Kubota), headers and combines, hay and forage equipment, sprayers, seeders, planters, tillage gear and grain-handling infrastructure. New, used, ex-fleet, dealer, private sale or auction.

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.

No. The specialist lender panel includes options that assess on the tractor asset, your grower contracts, harvest cycle income and trading history rather than requiring property as security. This matters most for share-farmers, contract harvesters and family farms that do not want to tie up the farm title.

$0 deposit is available for prime applications, especially established growers with active grower contracts or contract harvest agreements. Other applications may need a contribution, depending on the lender.

Yes. Used tractors (including ex-fleet, dealer demo and private sale) are all financeable. Major banks have age cut-offs; specialist lenders look at machine condition, hours and service history.

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 grower income runs against grain receival cycles and hay-cut timing.

Yes. Multi-machine deals (a tractor, header and sprayer for a full broadacre setup, or a tractor and several 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.

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.

A wide panel of Australian lenders spanning major banks, ag-specialist lenders, asset financiers and non-bank lenders that specifically understand grower-contract income, harvest cycles, seasonal income and the residual value of farm equipment.

With a chattel mortgage you own the tractor from settlement and the lender holds security over it, so you can typically claim the GST on the purchase price and depreciation runs through your own business. Under a finance lease the lender retains legal title to the tractor; lease payments are typically fully deductible. Both structures are available. Confirm your own tax position with your accountant.

Grower-contract income recognition is how a specialist lender reads income from grower contracts, grain receival statements, hay supply agreements and contract harvest agreements rather than treating only PAYG salary as income. It matters for broadacre growers and contract harvesters whose income comes from seasonal harvest.

Low-doc tractor finance is asset finance assessed 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.

Tax treatment depends on the structure you choose and current ATO rules. From 1 July 2026 the $20,000 small business instant asset write-off is permanent for businesses with aggregated turnover under $10 million, for eligible assets costing less than $20,000 (ato.gov.au). Larger tractor purchases generally fall under standard depreciation. Confirm your own tax position with your accountant.

An Australian Credit Licence (ACL) is the ASIC authorisation required to engage in regulated credit activities in Australia. Equifund operates under ACL 389328. This means we are bound by responsible lending obligations and the National Consumer Credit Protection Act when arranging finance.