Finance that moves with the seasons.
Tractors, headers, balers and beyond — one application, 80+ lenders, and farm equipment finance with repayments timed to when the cheque comes in.
Award WinningApply in 5 mins. Relax after.
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Fund the machinery, farm the season.
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 non-bank lenders to fund the gear and shape the repayments around your cashflow.
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 lodge once you're ready.
Why finance farm equipment with X Lend.
80+ lenders, one application
We compare rural and asset lenders in one go to match your machinery to the sharpest available rate.
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 dealer, clearing-sale and private-sale machinery, not just new purchases.
Low-doc options
Established farming ABNs can often finance significant machinery without full financials.
Tax-effective structures
Chattel mortgage, hire purchase or rental, structured around your GST and depreciation position.
Fast settlement
Many machinery deals settle in 48 to 72 hours so the gear is ready before the window closes.
What you can finance.
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
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your agricultural equipment finance with the best fit for your operation.
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.
Yes. We arrange finance for clearing-sale and private-sale machinery, handling the checks so the deal settles cleanly.
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.
Many farm machinery deals get a same-day decision and settle within 48 to 72 hours once documents are in.