Farm Equipment Finance from 4.99% p.a.

Agricultural Equipment Finance for Australian Farmers

Australian agriculture depends on reliable, productive equipment. Whether you are running a broadacre cropping operation with GPS-guided tractors and headers, a pastoral property with livestock handling systems, a horticultural enterprise with irrigation infrastructure, or a mixed farming operation requiring diverse machinery, having access to the right equipment at the right time directly impacts your productivity and profitability.

Farm equipment represents significant capital investment. A new John Deere or Case IH tractor can cost $150,000 to $500,000 or more. Headers and harvesters range from $200,000 to over $1 million for the latest GPS-guided models. Even a centre pivot irrigation system can cost $50,000 to $200,000 depending on size and features. Equipment finance allows you to acquire these assets while preserving your working capital for seeds, chemicals, fuel, and other operating costs.

Our agricultural equipment finance specialists understand the unique dynamics of farming. We know that cash flow is seasonal, that weather creates uncertainty, and that equipment purchase decisions are often driven by seasonal timing rather than financial calendar planning. Our lender panel includes institutions with deep agricultural expertise who structure finance to work with farming cash flows rather than against them.

Seasonal Repayment Structures

One of the most important features of farm equipment finance is the availability of seasonal repayment structures. Unlike standard monthly repayments that remain constant throughout the year, seasonal structures align your payments with your income cycle.

For a typical broadacre cropping operation, this might mean higher repayments during the harvest and selling months (November to March) and reduced or nil repayments during the planting and growing season. For livestock operations, repayments might align with regular stock sales or seasonal production peaks.

Seasonal structures are available from several specialist agricultural lenders in our panel. While the total interest cost may be marginally higher than a standard repayment schedule (because the principal reduces more slowly during low-payment periods), the cash flow benefit can be substantial and reduce financial stress during tighter months.

Equipment Types We Finance for Agriculture

Our farm equipment finance covers the full range of agricultural machinery and infrastructure:

• Tractors: From compact utility tractors to large broadacre machines from John Deere, Case IH, New Holland, Massey Ferguson, Fendt, and Kubota
• Harvesters and headers: Combine harvesters, cotton pickers, sugar cane harvesters, and all front attachments
• Irrigation: Centre pivots, lateral moves, drip irrigation, pumps, and water storage infrastructure
• Planting equipment: Air seeders, planters, seed drills, and precision planting systems
• Sprayers: Self-propelled sprayers, boom sprayers, and GPS-guided spray systems
• Livestock equipment: Cattle yards, sheep handling systems, feedlot equipment, and dairy infrastructure
• Hay and fodder: Balers, mower conditioners, rakes, and feed mixing wagons

Tax Benefits for Agricultural Equipment

Agricultural businesses can benefit from the same equipment finance tax benefits as other industries, with some additional considerations. The instant asset write-off allows eligible small businesses to immediately deduct the full cost of qualifying assets. For larger assets, the simplified depreciation rules provide accelerated deductions through the small business pool.

Primary producers also benefit from specific tax provisions including the Farm Management Deposit (FMD) scheme that allows income smoothing, and various environmental and water infrastructure deductions. Timing major equipment purchases to maximise these benefits, particularly before 30 June, can significantly reduce your tax liability.