Farm Equipment Loans Australia
From seeders to sprayers, irrigation to infrastructure - your farm needs the right equipment to thrive. We help Australian farmers finance all types of machinery and improvements with flexible repayment options that work with your seasonal cash flow.
Seasonal repayments available. Low doc options.
Finance for All Your Farm Equipment Needs
Running a successful farm requires more than just tractors and harvesters. Seeders, sprayers, irrigation systems, livestock equipment, farm vehicles, and property improvements all play crucial roles in your operation's productivity and profitability.
At Your Lending Friend, we understand that farming is capital-intensive and cash flow can be seasonal. That's why we work with lenders who offer flexible repayment options aligned with your farming income. Whether you need a new seeder before planting, irrigation upgrades during the dry season, or livestock equipment for your next expansion, we can help.
No matter what type of farm equipment you need, we have finance options that work for Australian farmers.
Why Choose Our Farm Equipment Finance?
Finance designed for farming operations
Fast Approvals
Get approved quickly so your equipment is working when you need it. Many applications approved within 24-48 hours.
Flexible Repayments
Seasonal repayment options available. Structure payments around your harvest income and farm cash flow cycles.
All Credit Situations
Drought, floods, or market conditions can affect any farmer. We work with lenders who understand agricultural challenges.
Farming Specialists
Our team understands primary production. We speak your language and find finance that actually works for farmers.
Equipment We Finance
Comprehensive finance for all farm equipment needs
Seeding & Tillage
Air seeders, disc seeders, planters, cultivators, and tillage equipment.
Irrigation Systems
Centre pivots, lateral moves, drip irrigation, pumps, and water infrastructure.
Farm Vehicles
Utes, farm trucks, utility vehicles, and machinery transport.
Seeding Equipment
Spraying & Spreading
Tillage Equipment
Irrigation
Livestock Equipment
Farm Vehicles
Farm Equipment Loan Details
Flexible finance tailored to your farming operation
From smaller implements to major irrigation investments
Flexible terms with seasonal repayment options
Finance for new equipment and quality used machinery
How Farm Equipment Finance Works
Getting your equipment financed is straightforward
Tell Us What You Need
What equipment do you need? New or used? We'll understand your operation and find the right finance solution.
We Find Options
Our specialists compare options from 40+ lenders including agricultural finance experts with seasonal payment options.
Choose Your Structure
Chattel mortgage, lease, hire purchase, or seasonal payments? We explain each option clearly.
Get Your Equipment
Fast settlement means your equipment is working for you sooner. We handle all the paperwork.
Checking your options won't affect your credit score
Farm Equipment Loan FAQs
Common questions about agricultural equipment finance
We finance virtually all agricultural equipment including seeders, sprayers, spreaders, tillage equipment, irrigation systems, farm vehicles (utes, trucks), livestock handling equipment, dairy machinery, sheds, fencing, and rural property improvements. If it helps your farm operate, we can likely finance it.
Yes, we finance all types of irrigation including centre piv...
Yes, we finance all types of irrigation including centre pivots, lateral moves, drip systems, travelling irrigators, pumps, pipes, and related infrastructure. Water efficiency improvements are increasingly important, and lenders understand the value these investments bring to farming operations.
Yes, we finance farm vehicles including utes, farm trucks, u...
Yes, we finance farm vehicles including utes, farm trucks, utility vehicles, and machinery transport vehicles. These can often be financed under agricultural equipment structures, potentially with seasonal repayment options.
Yes, many agricultural lenders offer seasonal or flexible re...
Yes, many agricultural lenders offer seasonal or flexible repayment structures. This might include lower monthly payments with a larger annual payment after harvest, or simply reduced payments during your farm's quieter months. We structure finance around when your farm earns income.
We finance livestock handling equipment (cattle crushes, she...
We finance livestock handling equipment (cattle crushes, sheep handlers, loading ramps), dairy equipment (milking systems, vats, cooling equipment), feedlot infrastructure, and related livestock investments. These are core assets that agricultural lenders understand.
Yes, we finance both new and used farm equipment. Agricultur...
Yes, we finance both new and used farm equipment. Agricultural machinery often has long working lives, and quality used equipment can represent excellent value. Most lenders will finance equipment up to 10-15 years old, though terms may vary.
Deposit requirements vary by lender and situation. Some offe...
Deposit requirements vary by lender and situation. Some offer no-deposit options, while others may require 10-20%. Having a deposit or trade-in can help secure better rates. For used equipment or applicants with credit challenges, a deposit may improve approval chances.
Yes, we can often finance farm improvements including sheds,...
Yes, we can often finance farm improvements including sheds, fencing, water infrastructure, and property development. These may be structured as equipment finance (for items like portable sheds) or as part of broader rural finance solutions.
Still have questions? Contact our friendly team
Related Agricultural Finance
Ready to Finance Your Farm Equipment?
Contact us today to discuss your equipment finance needs. We understand farming and will find a solution that works with your operation.