Equipment Finance
Tractors, headers, balers, irrigation and implements, new or used, dealer or private.
View finance optionsAgriculture & 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.
80+ lender panelBanks and specialist lenders
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Farming runs on timing and weather, your finance should bend to both.
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.
From a single implement to a full machinery refresh, we structure the finance for your tax and cashflow position and chase a fast decision so you can act in the window. You work the land; we handle the lender and the paperwork.
What farms and agribusiness finance with us.
The machinery, vehicles and working capital a property runs on:
Vehicle Finance
Farm utes, 4WDs and light trucks built for the conditions and the workload.
View finance options
Truck Finance
Tippers and rigids for grain, livestock and on farm haulage.
View finance optionsCashflow Finance
Bridge the gap between outlay and harvest, cover inputs, wages and agistment.
View finance optionsLines of Credit
A revolving buffer for inputs and quiet months, interest only on what you draw.
View finance optionsUnsecured Business Loans
Working capital to expand, restock or seize an opportunity, no property security required.
View finance optionsWhy farmers use a broker.
One broker to compare our panel of 80+ banks and specialist lenders.
Talk through your options80+ lenders, one application
We compare banks and rural savvy lenders in one go for the sharpest rate available to you.
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.
Make the next move.
Know the full picture.
The right finance should support the work ahead. Compare what it makes possible with the cost and commitment of borrowing.
What finance can help with
Put the right gear to work
Access vehicles and equipment for new contracts, replacements or a growing workload.
Keep cash available for the job
Spread an eligible purchase over time while keeping a buffer for wages, materials and operating costs.
Reduce avoidable downtime
Replace unreliable assets when the cost of repairs and lost working time starts adding up.
What to weigh up
Look beyond the repayment
Compare interest, fees and any final balloon payment alongside the total amount you will repay.
Allow for quieter periods
Repayments continue when work slows or customers pay late. Check the commitment against your cashflow.
Compare buying now with waiting
Weigh repair costs and missed work against the cost of finance. Paying cash also reduces your available buffer.
Test the repayment against a whole season.
ABARES publishes farm performance estimates and forecasts by industry and region. These provide context for income, costs and investment, but are not a forecast of any individual farm's results.
ABARES: farm performance researchWhat to prepare for your finance discussion
Use your own production and receipts calendar to test affordability. Allow for fuel, fertiliser, repairs and a weaker season. Discuss whether an available repayment structure fits expected receipts; seasonal arrangements depend on the lender and are not automatic.
- Equipment quote and proposed agricultural use
- Historical farm financials and seasonal receipts
- Forecast inputs, yields, prices and existing debt commitments
Source checked 5 September 2026. These planning points explain how to prepare; lender requirements and regulatory obligations depend on your circumstances.
Your questions, answered.
Get clear on eligibility, paperwork and the next steps before you apply.
Ask a brokerAre you a lender or a broker?
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.
Can repayments line up with my harvest or sale income?
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.
Can I finance used machinery or a private sale?
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.
Does my regional location count against me?
Not with the right lender. Our panel includes funders comfortable with regional postcodes and primary production, which is exactly why comparing the market helps.
How fast can finance settle?
Decision and settlement timing depend on the lender, complete documents and any required asset checks. Your broker confirms the expected steps before you commit.
See how it worked
for other businesses.
View all case studies
$105,000 settled
A 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.
Read case study