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Key Takeaways
- Agriculture Equipment finance available for new, used and demo machines across all major brands.
- Rates from 6.1% per annum for established operators with clean credit financing new agriculture equipments.
- Low doc agriculture equipment finance available up to $500,000 — no tax returns or BAS required.
- No deposit finance available for eligible ABN holders with 2+ years GST registration.
- We compare 80+ lenders in one free application — no impact on your credit score.
- Machinery finance deals: We guarantee the best deal available in the market and our services are free — we're paid a "referral fee" by the lender after settlement, no cost to you.
Agriculture equipment finance is one of Australia's most important equipment finance markets — covering everything from compact tractors on small family farms to large grain headers and air seeders on broadacre cropping operations. Understanding how to structure seasonal repayments and harvest-linked cash flows is critical to getting agriculture equipment finance right.
Agriculture Equipment Models We Finance
- Tractors — all brands and sizes (John Deere, New Holland, Case IH, Kubota, Fendt)
- Grain headers and combines (John Deere, Case IH, New Holland)
- Boom sprayers (John Deere, Goldacres, Croplands)
- Round balers and square balers (Krone, New Holland)
- Seeders and air seeders (Bourgault, John Shearer)
- Telehandlers and loaders (JCB, Manitou, Merlo)
Why Lenders Like Agriculture Equipment Finance
John Deere, Case IH, New Holland, Kubota, Fendt and Krone are all well-supported by Australian lenders with specific agriculture equipment finance experience. Seasonal repayment structures — where payments are aligned with harvest income — are available from specialist agriculture lenders and can significantly reduce cash flow pressure during growing seasons.
Agriculture Equipment Finance Rates
Agriculture equipment finance rates in Australia start from around 6.1% per annum for established farming businesses with clean credit. Seasonal and harvest-linked repayment structures, balloon payments and residual value arrangements are available to match farm cash flow cycles.
New vs Used Agriculture Equipment Finance
New agriculture equipments attract the widest range of lenders and the sharpest rates. Used agriculture equipments — from dealers, private sellers, auction or fleet disposals — are also well-supported by most lenders, particularly for well-maintained machines from reputable sources. Age, hours, condition and the machine's resale market all factor into a used agriculture equipment finance assessment.
Low Doc Agriculture Equipment Finance
Low doc agriculture equipment finance allows eligible ABN holders to borrow up to $500,000 without providing tax returns, BAS or full financial statements. You need your ABN, driver's licence and recent business bank statements. Same-day conditional approvals are available.
How to Get the Best Agriculture Equipment Finance Deal
At Overdrive Funding, we compare 80+ lenders to identify the most competitive agriculture equipment finance deal for your specific machine and profile. Our service is completely free — we're paid by the lender after settlement. Contact us today or call Simon for a free rate comparison.