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Agriculture and farm finance · land, plant and livestock
Farm finance that allows for seasons
Agricultural income does not arrive monthly, and the lenders worth dealing with structure repayments around that rather than against it.
The defining feature of agricultural lending is the shape of the income. Cash flow is seasonal, sometimes annual, and frequently affected by weather and commodity prices well outside your control. Lenders who work in agriculture understand that and can structure seasonal or annual repayment schedules; general lenders often cannot, and will assess you as though you were on a salary.
That is the practical reason to compare across a panel rather than default to whoever holds the existing account. The difference between an agricultural lender and a general one is not usually the rate — it is whether the repayment structure fits the way money actually comes in.
What it covers
- Farm land purchase and expansion
- Tractors, headers, balers and harvest machinery
- Livestock and breeding stock
- Irrigation and water infrastructure
- Sheds, silos and on-farm buildings
- Seasonal working capital and succession funding
What you get from us
Seasonal repayments exist
Annual or harvest-aligned schedules are available from lenders who work in agriculture.
Machinery is asset-backed
Plant and equipment can be financed against the asset, preserving working capital.
Land is valued differently
Agricultural land valuation considers carrying capacity and water, not just hectares.
Succession takes planning
Transferring a farm between generations is a lending question as much as a legal one.
Eligibility
What lenders look at
- You're 18 or over and an Australian citizen or permanent resident
- You have some regular income — from work, self-employment, superannuation, investments or a pension
- You're borrowing an amount you can service comfortably — most of our panel starts around $10,000
- You can comfortably meet the repayments alongside your existing commitments
Every lender on the panel weighs these differently, so none of it is a fixed cut-off — send the enquiry and we'll tell you honestly what is and isn't available. If money is already tight, the National Debt Helpline offers free, independent financial counselling, with nothing to sell you.
Enquire about agriculture & farm
Two minutes. No credit check.
Common questions
Before you enquire
Can repayments be structured around harvest?
Yes, with lenders who work in agriculture. Seasonal, annual or harvest-aligned schedules are standard in the sector, though not every lender offers them. It is one of the clearest reasons to compare rather than accept the first offer.
Is farm lending regulated as consumer credit?
Lending predominantly for business purposes generally sits outside the National Credit Code, so the consumer protections attached to a home loan do not apply in the same way. Farm lending is almost always business lending in that sense.
Can I finance second-hand machinery?
Usually. Age and hours affect the term and which lenders will look at it, and a private sale needs a PPSR check to confirm nothing is owing on the asset. Older machinery is fundable but generally over a shorter term.
What about drought or a bad season?
Talk to us and to your lender early rather than after a payment is missed. Hardship provisions and restructuring options exist, and they are far easier to arrange before arrears than afterwards. If things are already difficult, the Rural Financial Counselling Service offers free, independent support.
Tell us about the operation
Enterprise type, land, plant and how the income arrives. We will come back with what the panel can realistically structure.
Start an enquiry