Tractor Finance Sydney

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 + 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. Matters most for share-farmers, contract harvesters and family farms that don't want to lock the farm folio.

$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.

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+lucerne growers. Specialist lenders understand grower cashflow runs against GrainCorp / VicGrain receival cycles and hay-cut timing.

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

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 panel of 80+ Australian lenders spanning major banks, ag-specialist lenders, asset financiers and non-bank lenders that specifically understand grower-contract income, harvest cycles, seasonal cashflow and the residual value of farm equipment.

Chattel mortgage: you own the tractor, 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.

Grower-contract income recognition is how a specialist lender reads income from grower contracts, GrainCorp / VicGrain 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 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.

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 tractor purchases generally fall under standard depreciation. Consult 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.