Agriculture Finance Australia
Farming is capital intensive - but tying up cash in equipment purchases can strain your operation. We help Australian farmers finance tractors, harvesters, irrigation, and everything in between. Finance structured around your seasonal cash flow, not against it.
Seasonal repayment options. Low doc available.
Farm Equipment Finance Made Simple
Australian farmers know that having the right equipment at the right time can make all the difference. Whether you're upgrading your tractor fleet, investing in a new header, or installing irrigation infrastructure, the equipment you choose directly impacts your productivity and profitability.
At Your Lending Friend, we specialise in agricultural finance that works with farming operations, not against them. Our specialists understand seasonal cash flows, harvest cycles, and the unique challenges of primary production. We work with lenders who get agriculture - including those offering seasonal repayments and low doc options.
Whether you're a broadacre cropper, livestock producer, horticulturist, or dairy farmer - we have finance solutions for your operation.
Agricultural Finance Options
Finance for all types of farming equipment
Tractor Finance
New and used tractors from all major brands. John Deere, Case IH, New Holland, Kubota, Massey Ferguson and more.
Harvester Finance
Headers, combine harvesters, and harvesting equipment. Finance that works with your harvest cycle.
Farm Equipment Loans
Seeders, spreaders, sprayers, tillage equipment and more. All the machinery you need to run your farm.
Irrigation Equipment
Centre pivots, lateral moves, drip systems, and pumping equipment. Invest in water efficiency.
Farm Vehicles
Utes, farm trucks, and utility vehicles. Get your team and gear where they need to be.
Livestock & Dairy Equipment
Milking systems, cattle crushes, sheep handlers, and livestock infrastructure.
How Farm Equipment Finance Works
Getting your equipment financed is straightforward
Tell Us What You Need
What equipment? New or used? We'll understand your farming operation and find finance that works with your seasonal cash flow.
We Compare Lenders
Our specialists search 40+ lenders who understand agriculture - including those offering seasonal and low doc options.
Choose Your Structure
Chattel mortgage, lease, or seasonal payments? We explain the options and help you choose what suits your operation.
Get Your Equipment
Fast approvals so you can get your equipment working when you need it most. We handle the paperwork.
Checking your options won't affect your credit score
Finance Structures for Farmers
Different structures suit different farming operations. We'll help you choose the right one for your situation and tax needs.
| Structure | Best For | GST Claim | Ownership |
|---|---|---|---|
| Chattel Mortgage | GST-registered farmers | Upfront | Immediate |
| Finance Lease | Flexible end-of-term options | Over term | At end |
| Hire Purchase | Simple structure, eventual ownership | Over term | At end |
| Operating Lease | Equipment you upgrade regularly | No (rent expense) | Never |
| Seasonal Payments | Matching cash flow to harvest | Varies | Varies |
Not sure which structure is right for your farm? Talk to our team and we'll help you decide.
Equipment We Finance
Tractors & Power Equipment
Harvesting Equipment
Seeding & Tillage
Spraying & Spreading
Irrigation Systems
Livestock & Dairy
General Requirements
Low Doc & Flexible Options
We work with agricultural lenders who understand farming:
Agriculture Finance FAQs
Common questions about farm equipment finance
We finance virtually all agricultural equipment including tractors, harvesters, headers, seeders, spreaders, sprayers, tillage equipment, irrigation systems, farm vehicles (utes, trucks), livestock handling equipment, dairy equipment, and rural property improvements like sheds and fencing.
Yes, we work with lenders who understand farming cash flow. ...
Yes, we work with lenders who understand farming cash flow. Options include seasonal repayments (lower payments off-season, higher during harvest), annual payments aligned with your income cycle, and balloon payments. We structure finance around when your farm generates income.
Yes. We work with specialist agricultural lenders who focus ...
Yes. We work with specialist agricultural lenders who focus on your farm's performance and security rather than just credit history. If your farm is productive and you can demonstrate the ability to service the loan, we can often find options even with past credit issues.
Low doc finance allows farmers to get approved with minimal ...
Low doc finance allows farmers to get approved with minimal paperwork - often just bank statements and BAS rather than full financial statements. This is ideal for primary producers who may not have traditional financials but have strong farming operations.
Yes, we finance both new and used agricultural equipment. Fa...
Yes, we finance both new and used agricultural equipment. Farm machinery often has a long working life, and many lenders will finance equipment 10-15+ years old depending on the type and condition.
Deposit requirements vary. Some lenders offer no-deposit opt...
Deposit requirements vary. Some lenders offer no-deposit options for strong applications, while others may require 10-20%. Having equity in the equipment through a trade-in or deposit can help secure better rates or approval with challenging credit.
Yes. With chattel mortgage, you can claim the GST upfront, w...
Yes. With chattel mortgage, you can claim the GST upfront, which is often preferred by GST-registered farmers. With other structures like hire purchase or lease, GST is claimed over the life of the loan. We'll help you choose the best option for your tax situation.
For straightforward applications, we can often get approval ...
For straightforward applications, we can often get approval within 24-48 hours. Low doc applications can be even faster. We understand that farmers often need equipment quickly for time-sensitive operations, and we prioritise fast turnaround.
Still have questions? Contact our friendly team