Equipment covered
Tractors of all horsepower classes, headers/harvesters and fronts, air seeders and bars, sprayers (SP and trailed), balers, telehandlers, augers and field bins, plus livestock and dairy plant. New, used dealer stock, and — with the right lender — clearing sale and private purchases.
Seasonal and structured repayments
The most valuable feature in ag finance isn't the rate — it's matching repayments to income. Common structures include:
- Annual or semi-annual repayments timed to harvest or wool/livestock sales
- Skip-payment schedules — e.g. nothing over winter, catch-up after delivery
- Interest-only seasons in establishment years
- Balloons matched to trade cycles — many growers turn headers over every 3–4 seasons
Not every lender offers these; agricultural specialists and some majors do. This is exactly where a broker earns their keep — placing the deal with a lender whose repayment engine can actually do what your cash flow needs.
Used gear, clearing sales and private purchases
Quality ag machinery holds value, so lenders are comfortable with older assets than in transport — a 10-year-old header is normal business. Clearing sale purchases are financeable, but move early: get pre-approval before auction day, and make sure the agent can provide clear title and a PPSR release at settlement. For established farming operations, low doc farm equipment finance — no financials — is widely available, which suits growers whose returns are lodged long after the machine is needed.
Frequently asked questions
Can repayments really be made annually?
Yes — with agricultural lenders, annual repayments timed to harvest are a standard product, not an exception. Expect the lender to want commodity and production context.
Can I finance machinery bought at a clearing sale?
Yes, with pre-approval arranged before the auction. The lender will need the sale contract, clear title and a PPSR release from the vendor's financier if the item was encumbered.
How old can financed farm machinery be?
Older than most assets — well-maintained tractors and headers 10–15 years old are routinely financed, typically over shorter terms.
Get a free truck & equipment finance quote
Takes 60 seconds. No credit check to enquire. A licensed broker compares lenders and calls you back — usually same business day.