Finance for Agriculture & Farming
Farmers, farm managers, station hands and agricultural workers - we connect you with lenders who understand seasonal income, rural employment, and the unique challenges of working on the land.
Lenders who understand agricultural income
Finance Solutions for Those Who Work the Land
Australian agriculture is the backbone of our nation. Whether you are running your own farm, managing a station, working seasonal harvests, or providing agricultural services, your hard work feeds the country.
At Your Lending Friend, we work with lenders who understand agricultural employment. They recognise that farming income can be seasonal, that rural work is essential, and that people who work the land are reliable borrowers despite income patterns that might confuse city-based lenders.
Whether you need a reliable vehicle for the farm, want to finance equipment, or are looking for a personal loan, we can help find finance that works with your agricultural income.
Why Agricultural Workers Use Finance Brokers
We understand seasonal income and how to present it to lenders
Access to lenders who value rural and agricultural employment
Low-doc options for farmers and contractors with ABN income
We can explain harvest cycles and seasonal patterns to lenders
Save time by not travelling to town to visit multiple banks
Support for both personal and business finance needs
Common Finance Needs for Agriculture & Farming
We help with a range of finance products tailored to your profession
Vehicle Finance
Whether it is a work ute, dual-cab for the family, or a reliable vehicle to get between properties - we find vehicle finance that suits agricultural income.
Equipment Finance
Finance for tractors, harvesters, irrigation equipment, and other agricultural machinery. Keep your operation running with the right equipment.
Personal Loans
Whether for home improvements, family needs, or bridging seasonal income gaps, personal loans can help agricultural workers manage finances.
Debt Consolidation
Simplify your finances by combining multiple debts into one payment. Easier to manage, especially during quieter seasons.
How It Works
Getting finance is simple
Quick Online Application
Complete our simple 5-minute form. We only ask what we need, and checking your options will not affect your credit score.
We Find Your Match
Our brokers review your situation and match you with suitable lenders from our panel of 40+ including specialists who understand your profession.
Get Your Options
We present your options, explain everything clearly, and help you choose the right loan. Many customers get same-day approval.
Get Funded
Once approved, your funds can be available within 24-48 hours. We handle the paperwork and support you through settlement.
Checking your options won't affect your credit score
Benefits for Agriculture & Farming
Why Your Lending Friend works for your profession
Seasonal Income Understanding
We know agricultural income varies with seasons, harvests, and markets. We present your income history to show your true earning capacity.
Rural-Friendly Service
No need to travel to town. We handle everything remotely via phone, email, and online applications.
Low-Doc Options
For farmers and contractors with ABN income, we have low-doc lenders who understand self-employed agricultural work.
Fast Decisions
When you need equipment or a vehicle for the farm, waiting weeks is not an option. We work to get you approved quickly.
Lenders Who Understand Agriculture & Farming
We connect you with lenders who appreciate your profession
Lenders for Employed Farm Workers
Station hands, farm managers, and employed agricultural workers have access to competitive rates from lenders who understand rural employment.
Lenders for Farmers & Contractors
Self-employed farmers and agricultural contractors can access low-doc options from lenders who understand seasonal and variable income.
Equipment & Asset Finance Specialists
For tractors, harvesters, vehicles, and other farm equipment, we work with commercial lenders who specialise in agricultural assets.
Questions? We Are Here to Help
Our team understands the unique needs of agriculture & farming. Get in touch to discuss your situation.
Agriculture & Farming Finance FAQs
Common questions from professionals like you
Yes. We work with lenders who understand that agricultural income varies throughout the year. We present your income over 12-24 months to show your average earning capacity, not just a snapshot of a quiet month.
For low-doc options, you typically need recent BAS statement...
For low-doc options, you typically need recent BAS statements, bank statements showing income deposits, and ID. Some lenders may want to see an accountant letter. We will advise on the best approach for your situation.
Yes. We offer both personal and business asset finance. Fina...
Yes. We offer both personal and business asset finance. Financing through your ABN can have tax advantages including GST credits and depreciation. We can explain the options.
Absolutely. We handle everything remotely. No need to travel...
Absolutely. We handle everything remotely. No need to travel to town or visit banks. Phone, email, and online applications work perfectly for our rural clients.
The right lenders do. We specifically work with lenders who ...
The right lenders do. We specifically work with lenders who understand agricultural cycles. They look at your overall income pattern, not just month-to-month variations.
There are no upfront fees to use our service. Our fee is inc...
There are no upfront fees to use our service. Our fee is included in your loan and only applies if your loan settles. We are paid by the lender, not you.
Still have questions? Contact our friendly team