Verified and reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
The challenge
What needed to be solved
The farm earned income seasonally, so a standard flat monthly repayment did not match when revenue was received after harvest.
Credit file
Good credit profile, property owners and no adverse credit.
The approach
What X Lend did
X Lend found an agricultural lender that understood the farm's income cycle and arranged repayments around harvest rather than using a conventional monthly schedule.
The application was approved on the first lender enquiry, avoiding unnecessary applications to multiple credit providers.
The result
Settled outcome
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.
Historical outcome only. Rates and policy can change, and every application is assessed on its own circumstances.
Documents used
Evidence supplied
- Farm financial statements
- Equipment invoice
- Partnership and identity documents