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We compare rural and asset lenders in one go to match your machinery to the sharpest available rate.
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Agricultural equipment finance.
Equip your farm for the season ahead. We’ll explore our 80+ lender panel for suitable machinery finance, with your broker considering seasonal cashflow.
- Tractors and agricultural machinery
- New and used equipment
- Seasonal cashflow considered
What have you got planned?
Let’s help you fund it.
If it works the land, we can usually finance it. We arrange finance for:
Tractors of every size and horsepower
Headers, harvesters and forage equipment
Seeders, air carts and planters
Balers, mowers and hay equipment
Boom and self propelled sprayers
Chaser bins, augers and grain handling
Used and clearing sale machinery
Livestock handling and irrigation gear
Example brands and equipment
These agricultural equipment examples are not a restricted list. A lender will usually place more weight on the chosen asset's age, condition, specification and intended work than its badge.
- John Deere 6R and 8R
- Case IH Magnum
- New Holland T7
- CLAAS Lexion
- Fendt 700 series
- Massey Ferguson
- Kubota M series
- Deutz-Fahr
What you can buy or refinance
The way this agricultural equipment is being purchased affects the lender's valuation, available term and security checks.
- tractors
- headers
- harvesters
- sprayers
- seeders
- balers
- implements
- used farm machinery
Documents that explain the purchase
These records connect the agricultural equipment, its total cost and intended work with the business's ability to make the repayments.
- seasonal cash-flow forecast
- commodity statements
- livestock or crop sales
- land or lease details
- machine hours
- service history
- BAS
- bank statements
Have something in mind? Let’s talk finance.
Get my free quoteAgricultural equipment finance.
More options. Less legwork.
Farm income arrives in lumps, after harvest, after the sale, after the season turns, so your machinery finance shouldn't demand flat payments every month regardless. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to fund the gear and shape the repayments around your cashflow.
Seasonal repayments
We can arrange structured, annual or seasonal repayments timed to when your income actually lands.
New, used and clearing sales
We arrange finance for new and used machinery purchased through dealers, clearing sales and private sellers.
Why choose X Lend for agricultural equipment finance?
We arrange finance for new and used farm machinery, tractors, headers, harvesters, seeders, balers, sprayers and more, from dealers, clearing sales or private sale. We structure it as a chattel mortgage, hire purchase or rental to suit your GST, depreciation and accountant's advice, and can arrange seasonal or structured repayments that lift and ease with your production cycle.
Because we shop the whole panel, including lenders who understand primary production, we can place used and specialised machinery, work with variable income, and match low doc options to how your operation actually trades. We keep it plain English and only submit once you're ready.
Low doc options
Established farming ABNs can often finance significant machinery without full financials.
Tax effective structures
Compare ownership, seasonal repayment and tax treatment across farm-machinery structures, then confirm the preferred approach with the farm's accountant.
Fast settlement
Many machinery deals settle in 48 to 72 hours so the gear is ready before the window closes.
Not every repayment has to be monthly and flat. Many agricultural lenders offer seasonal, annual or structured repayments that line up with harvest and sale income, and established ABNs can often access low doc approvals on trading history alone.
Work out your repayments.
Then find your finance.
Try an amount and term for your agricultural equipment finance. When you’re ready, we’ll compare the options available to you.
Agricultural equipment finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The farm earned income seasonally, so a standard flat monthly repayment did not match when revenue was received after harvest.
Agricultural equipment finance · Dubbo, NSWA John Deere tractor structured around the harvest cycle
Approved on the first lender enquiry and settled at a historical rate of 8.89%, with seasonal repayments and a 20% balloon preserving cash during planting.
- 1 week turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for agricultural equipment finance. Your broker helps you prepare the application.
What do lenders look at for agricultural equipment finance?
A lender wants to know what the agricultural equipment is, what it will do for the business, how long it should remain useful and whether the repayments are affordable. The details below explain the usual checks and what can help support the application.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for agricultural equipment finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include tractors of every size and horsepower.
- 02
We do the lender research
We help organise seasonal cash-flow forecast and commodity statements and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange agricultural equipment finance, with a broker to explain your options.
Balloon or no balloon: compare the whole repayment plan
Swipe across the table to compare all columns.
| Option | During the loan | At the end |
|---|---|---|
| No balloon | Higher regular repayments than the same loan with a balloon; the balance reduces faster | The scheduled loan balance is repaid when all payments have been made. |
| A balloon payment | Lower regular repayments, but interest is charged on a larger outstanding balance | A lump sum remains due. Budget for it rather than assuming resale or refinancing will cover it. |
| A shorter term | Higher regular repayments may reduce total interest on otherwise equal terms | Check affordability alongside the total amount repaid, fees and any payout costs. |
Use the calculator to compare the same amount, rate and term with and without a balloon. Refinancing requires a new assessment and is not guaranteed.
The finance should fit the productive cycle, useful life of the machinery, regular repayment and total cost.
Seasonality needs to be explained
Provide a clear picture of when income is earned and when major operating costs fall. Some structures may accommodate seasonal repayment patterns, subject to lender policy.
Machinery history matters
Hours, service records, prior ownership and availability of parts can affect how older farm equipment is viewed.
Drought and commodity variation
Recent results may need context where weather or commodity prices created an unusual season. Evidence should be factual and supported.
Multiple items should be separated
List the tractor, implements, headers and accessories individually to make the security and total price clear.
Comparison of common business asset finance structures
| Structure | How it generally works | Important consideration |
|---|---|---|
| Chattel mortgage | The business owns the asset while the lender takes security over it. | Tax and GST treatment depends on the business; obtain accounting advice. |
| Finance lease | The lender owns the asset and the business pays to use it for the agreed term. | End-of-term options, residual value and total cost should be checked. |
| Rental or operating lease | The business pays for use and may receive bundled service options while the provider retains ownership. | Flexibility can be useful, and the complete cost and return conditions still matter. |
Align repayments with the farm's production cycle
Farm income may arrive after harvest, livestock sales or contract milestones rather than evenly each month. Prepare a cash-flow view that shows when major inputs are paid, when produce is expected to be sold and what buffer remains if timing or price changes. Some lenders may consider seasonal structures, but availability and conditions depend on their policy and the complete application.
Explain unusual seasons with facts. Weather, commodity prices, disease, input costs or a one-off capital program can distort recent results. Historical production, current contracts, crop plans and insurance may provide context, but forecasts should identify assumptions and should not be represented as certain.
Assess the complete machine and implement package
List the tractor, header, seeder, sprayer, implements, guidance technology and trailers separately. Hours, service history, tyres, local parts support and compatibility between implements can materially affect usefulness and resale. For used machinery, condition evidence can be more informative than age alone.
Clarify whether the purchase replaces unreliable equipment, reduces contractor costs or expands capacity. A replacement can be supported with repair history and current utilisation. An expansion should connect the additional capacity to land, contracting work or production plans without assuming the best possible season.
Allow for ownership, security and succession details
Farming businesses can involve companies, trusts, partnerships, landowners and operating entities. Confirm which entity will buy and use the equipment, who can sign, where existing security is registered and whether guarantees are proposed. The structure should be checked with legal and accounting advisers before documents are signed.
Plan the facility around the expected replacement cycle and potential transfer of the business. A balloon or long term may leave an obligation when machinery is traded or ownership changes. Understanding payout and security-release processes early can make a later sale, refinance or succession event more manageable.
Why the asset's age and condition matter
Engine hours, separator hours, seasonal workload, maintenance and parts support help establish the remaining useful life of farm machinery. In practical terms, this can change the deposit required, how long the loan can run and which lenders will consider the asset.
Maintenance and replacement spending can include tyres, headers, belts, bearings and scheduled overhauls required to protect seasonal production. These costs need to fit beside the repayments. The loan should also finish within the period the asset is expected to remain useful to the business.
How contracts and supplier payment dates can help
Crop plans, milk statements, livestock sales, forward contracts and harvest timing provide context for seasonal ability to make the repayments. Contracts, purchase orders and confirmed work can help show how the asset is expected to earn money and when customers are expected to pay.
If the agricultural equipment supplier needs a deposit, progress payments and a final payment, list each date and amount. This lets the lender reconcile the full purchase cost and arrange the payment stages correctly.
What should I have ready before applying?
- Map proposed repayments against the business's seasonal income pattern.
- Prepare service and hour records for used machinery.
- Explain any unusually strong or weak recent season.
- Separate each asset and implement on the supplier documentation.
How we can help.
Illustrative examples of how we approach agricultural equipment finance.
A newer business purchasing agricultural equipment
The business has a shorter ABN history and confirmed work that requires the agricultural equipment.
How your broker helps
We identify lenders that can assess recent account history, industry experience and contracted work, then present the purchase as one complete operating proposal.
What to have ready
Business bank statements, GST registration, signed work agreements, the supplier quote and evidence of the operator's experience.
Used agricultural equipment with age or usage
The chosen asset has material age, hours or kilometres and remains suitable for the work ahead.
How your broker helps
We document condition, service history, specification and resale support, then compare lenders whose end-of-term age policy fits the proposed term.
What to have ready
Service records, inspection details, serial or VIN information, photographs, the invoice and a clear explanation of expected annual use.
Growth purchase with incomplete financial statements
Current work supports the purchase while the latest full-year accounts are still being prepared.
How your broker helps
We list the documents already available, current debts and expected payment timing, then compare lenders that accept that evidence.
What to have ready
Recent bank statements, BAS, management accounts, an accountant letter, contracts, purchase orders and a schedule of existing finance.
A word from your broker.
Agricultural equipment should be assessed against the farm's actual income cycle. We map the machinery, seasonality, trade-in or payout and supporting records before comparing lenders, while keeping forecasts separate from confirmed historical performance.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With agricultural equipment finance
Put the agricultural asset needed for suitable work into service without waiting to fund the full cost from cash.
Preserve working capital for wages, materials and tax while arranging the agricultural asset.
Replace an unreliable or unsuitable agricultural asset before downtime and repair costs increase.
The cost of waiting.
Suitable contracts may be missed when the required agricultural asset is not available.
An older agricultural asset can keep creating downtime or repair costs while its replacement is delayed.
Buying the agricultural asset outright can reduce the cash buffer available for payroll, materials and unexpected costs.
Good finance.
Even better support.
Google reviews
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Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
agricultural equipment finance.
Your agricultural equipment finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your agricultural equipment finance with the best fit for your operation.
Can repayments be timed to harvest?
Often, yes. Many rural lenders offer seasonal, annual or structured repayments that line up with harvest, sale or seasonal income. We match you to lenders who structure this way.
Can I finance machinery from a clearing sale or private seller?
Yes. We arrange finance for clearing sale and private sale machinery, handling the checks so the deal settles cleanly.
Can I get approved without full financials?
Often, yes. Established farming ABNs can frequently access low doc options up to set limits. We match you to lenders comfortable with primary production income.
How fast can it settle?
Many farm machinery deals get a same day decision and settle within 48 to 72 hours once documents are in.
What brands, models or purposes can agricultural equipment finance cover?
Common examples include John Deere 6R and 8R, Case IH Magnum, New Holland T7, CLAAS Lexion, Fendt 700 series, Massey Ferguson. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support agricultural equipment finance?
A lender may ask for seasonal cash-flow forecast, commodity statements, livestock or crop sales, land or lease details, machine hours, service history. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex agricultural equipment finance application?
For agricultural equipment finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026