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Key Takeaways
- Overdrive Funding arranges farm and agriculture equipment finance for all asset types — new, used, demo and auction.
- We compare 80+ lenders in one free application to find the most competitive rate.
- Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
- Finance available for established farmers, new ABNs and adverse credit.
- Our service is free — we're paid a "referral fee" by the lender after settlement.
Agricultural machinery finance covers every piece of equipment used in farming and primary production. Overdrive Funding is a specialist farm and agriculture equipment finance broker, comparing 80+ lenders to find the most competitive rate for every type of agricultural machinery — from compact tractors to large headers and complex harvesting systems.
Agricultural Machinery: What We Finance
- Tractors — all sizes and brands (John Deere, Case IH, New Holland, Kubota, Fendt, Massey Ferguson, Claas, AGCO)
- Grain headers and combine harvesters
- Air seeders and precision seeding systems
- Boom sprayers and liquid fertiliser applicators
- Balers — round balers and square balers
- Silage equipment — forage harvesters, mowers, rakes and tedders
- Tillage equipment — ploughs, cultivators, rotary hoes, disc harrows
- Grain handling — augers, grain carts, silos and conveyors
- Irrigation systems and water management equipment
- Telehandlers and front-end loaders for farm use
- Livestock equipment — shearing machines, feeders, crushes, loading ramps
- Farm vehicles — utes, trucks, trailers and livestock carriers
Farm and Agriculture Equipment Finance Structures
- Chattel mortgage — own the asset from day one, interest and depreciation tax-deductible for GST-registered businesses
- Finance lease — keep equipment off your balance sheet; lender retains ownership until residual is paid
- Seasonal repayment structure — lower payments during growing season, higher at harvest, available from specialist agriculture lenders
- Balloon/residual — reduce monthly repayments with a lump sum at end of term
- Commercial hire purchase — fixed repayments with ownership transferring at end of term
Finance Rates
Farm and agriculture equipment finance rates in Australia start from around 6.1% per annum for established farming businesses with clean credit. Seasonal repayment structures are available from specialist agriculture lenders, aligning repayments with farm cash flow cycles. Overdrive Funding compares 80+ lenders to find the most competitive rate for your farm.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders for your farm and agriculture equipment finance in one application — no multiple credit enquiries, no cost to you. Most applications receive a decision within 24 to 48 hours.