Services

Farm finance, structured properly the first time.

Q: How do I get a farm loan in Australia?

Start with a broker who knows agribusiness. They'll review your income, asset position and intended use, then submit to lenders that suit seasonal income. Required documents typically include tax returns, financial statements, livestock or crop schedules, and details of the property or asset being financed.

Q: What is agribusiness finance?

Agribusiness finance is lending structured for farming and rural enterprises. It covers working capital, livestock lines, seasonal overdrafts, equipment and property, and is assessed on income that arrives at harvest or sale, not on a regular wage cycle.

From the first ute to the next-door paddock, from a new header to a full restructure. Here's what we cover.

Farm purchase loans

Buying a farm, whether it's your first or your fifth, is a different beast to a residential loan. Valuations turn on land class, water entitlements and productive history, not just comparable sales. Lenders assess income that arrives once or twice a year, not fortnightly.

We structure farm purchase loans with deposits, terms and security arrangements that reflect how the asset will actually earn. That includes blended residential and rural facilities where the homestead and the productive land are valued differently, and vendor finance arrangements where a bank-only path doesn't fit.

Rural property finance

Rural lending in Australia varies by postcode. Some lenders cap LVRs sharply outside major centres; others specialise in regional and remote security. We know which lender is fit for which postcode, and which valuer to instruct so you don't waste a fee on a deal that was never going to work.

Whether it's a lifestyle block on the city fringe, a working farm in the wheat belt, or a station in the rangelands, we map the right lender to the right property.

Agribusiness finance

Working capital, seasonal overdrafts, livestock lines, trade finance, growth funding. Agribusiness lending is its own discipline, structured around forward contracts, forecast yields, livestock movement and commodity price cycles.

We work with ag-specialist lenders that understand the difference between a poor year and a poor business, and structure facilities that breathe with the season instead of clamping down at the worst possible time.

Dryland farming finance

Broadacre cropping, mixed cropping and livestock, sheep, cattle and grain. Dryland operators carry rainfall risk and price risk, and a lender who hasn't lent in dryland country can underwrite that risk poorly.

We submit dryland deals to lenders that have lent through droughts and back, with structures that include offset accounts, seasonal repayment patterns and interest-only periods that match the calendar of a working farm.

Horticulture & irrigated farm finance

Permanent plantings (almonds, citrus, table grapes, vines, olives, stonefruit) are capital-intensive operations with long lead times before mature production. Add irrigation infrastructure, water entitlements and seasonal labour and you have a finance scenario that needs patient lenders and long-tenor facilities.

We work with lenders that understand permanent plantings and irrigated operations: what young plantings are worth, what mature ones earn, and how water entitlements support security.

Refinancing & debt restructuring

Sometimes the original loan structure doesn't survive contact with reality. Too many short-term facilities, the wrong split between term debt and working capital, or a lender that's quietly drifted out of agribusiness.

We refinance and restructure with a clean head: consolidate where it makes sense, separate working capital from term debt, release equity for the next purchase, and align repayments with how the business actually earns.

Equipment & machinery finance

Headers, tractors, utes, sprayers, irrigators, sheds, silos. Equipment finance is straightforward when it's structured well: chattel mortgage, hire purchase or lease, with terms and balloons set to match the asset's working life.

We compare asset financiers and bank-owned equipment lenders so the rate, term and end-of-term arrangement actually suit you, not the financier. We always recommend checking the structure with your accountant before you sign.

Frequently asked

Common questions about farm finance.

How do I get a farm loan in Australia?

Start with a broker who knows agribusiness. We'll review your income, asset position and intended use, then submit to lenders that work with seasonal income. Documents you'll typically need: two years of tax returns and financials, ATO portal printouts, an up-to-date asset and liability statement, livestock or crop schedules, and the contract of sale or asset details. We'll send you a tailored checklist after our first chat.

What is agribusiness finance?

Agribusiness finance is lending designed for farming and rural enterprises. It covers working capital, livestock lines, seasonal overdrafts, equipment and property, and is assessed on income that arrives at harvest or sale, not on a regular wage cycle. It's a different discipline to residential lending and is best handled by lenders with dedicated ag teams.

Can I finance a rural property purchase?

Yes. Rural property finance is available for farm purchases, lifestyle blocks, expansion of an existing holding, and first-farm buyers. Lenders assess the property type, productive use, water and infrastructure, and the borrower's ag income. Different lenders take different views on the same postcode, and that's where the broker conversation matters.

What documents do I need for a farm loan?

Typically: two years of tax returns and financial statements, current ATO portal printouts, an up-to-date asset and liability statement, livestock or crop schedules, contract of sale or asset invoice (for purchases), bank statements for trading and personal accounts, and ID. The exact list depends on the lender and the deal, and we'll give you a tailored checklist before submission.

Do you only work with farmers in Mildura?

No. We're based in Mildura/Sunraysia VIC but work with farmers and agribusinesses Australia-wide via phone, email and online. Most of the process is paperwork and lender conversations, both of which run perfectly well remotely.

Will I always get the lowest rate?

Rate is one factor. Structure, flexibility, and the lender's willingness to stick with you in a tough year often matter more. We'll always show you the competitive options and let you weigh rate against fit. No guarantees on "lowest" or "best", and no advertising claims that aren't true.