80+ lenders, one application
We compare banks and rural savvy lenders in one go for the sharpest rate available to you.
Industries
Agriculture & Farming Finance
Machinery, utes and equipment for the land, we compare 80+ lenders so you can buy at the right time and pay when the income comes in.
Get your quoteFarming runs on timing and weather, your finance should bend to both.
Repayments don't have to arrive like a city mortgage. Several lenders on our panel offer seasonal structures that flex to harvest and sale income, and a regional postcode is normal to them, not a red flag.
On the land, the window to buy, plant or harvest doesn't wait for a bank's process. A tractor, a header, a new ute or an irrigation upgrade often needs funding now, with repayments that suit when the income actually lands. X Lend is a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance around your season.
Regional and primary production businesses are too often squeezed into city shaped lending. We match farms, contractors and agribusinesses to lenders who understand seasonal cashflow, mixed income and the gear that runs a property, including used machinery and private sales the banks shy away from.
What farms and agribusiness finance with us.
The machinery, vehicles and working capital a property runs on:
Equipment Finance
Tractors, headers, balers, irrigation and implements, new or used, dealer or private.
Vehicle Finance
Farm utes, 4WDs and light trucks built for the conditions and the workload.
Truck Finance
Tippers and rigids for grain, livestock and on farm haulage.
Cashflow Finance
Bridge the gap between outlay and harvest, cover inputs, wages and agistment.
Lines of Credit
A revolving buffer for inputs and quiet months, interest only on what you draw.
Unsecured Business Loans
Working capital to expand, restock or seize an opportunity, no property security required.
Why farmers use a broker.
City banks, country reality, we bridge the gap.
Seasonal repayment structures
We arrange terms that flex to harvest and sale cycles, not a flat monthly model.
Used and private sales
Buy the right machine wherever it is, we arrange finance on used and private sale gear.
Lenders who get the bush
Mixed income and regional postcodes are normal to our panel, not a red flag.
Low doc for established ABNs
Trading history can stand in for a full financial pack, keeping it fast.
We handle the admin
You stay on the property; we manage the lender, paperwork and settlement.
Before you decide
Weigh the opportunity against the cost of waiting
The right comparison considers what finance could make possible and what delaying the asset or funding may cost the business operationally.
Pros
- Access suitable vehicles and equipment when finance that works to the seasons, not the bank's calendar. opportunities arise.
- Preserve working capital for wages, materials, tax and other operating expenses.
- Replace unreliable assets sooner and reduce avoidable downtime across jobs.
Cons
- Suitable finance that works to the seasons, not the bank's calendar. contracts may be missed when the required vehicles or equipment are not available.
- Older equipment can keep breaking down when there is not enough cash to replace it outright.
- Paying the full purchase price from cash can leave less buffer for payroll, materials and unexpected costs.
Questions answered
Industry finance questions
Clear answers before you decide what to apply for.
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and arrange the finance that best fits your farming business.
Often, yes. Several of our lenders offer seasonal or structured repayments that flex to when your income actually lands, rather than a flat monthly schedule.
Yes. We arrange finance for used and private sale machinery and vehicles, handling the checks so the deal settles cleanly, wherever the right gear is.
Not with the right lender. Our panel includes funders comfortable with regional postcodes and primary production, which is exactly why comparing the market helps.
Many ag deals get a same day decision and settle within 24 to 72 hours, so you can buy inside the window.
Want to know your rate?
An indicative rate request does not create an obligation to proceed.
Genuine settled outcomes