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Key Takeaways
- Overdrive Funding finances all types of agriculture equipment — new, used, demo and auction purchases.
- 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 operators, new ABNs and businesses with adverse credit.
- Equipment 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.
Australia's agriculture sector requires finance across a vast range of equipment types — from broadacre cropping machinery and livestock handling equipment to horticultural systems and irrigation infrastructure. At Overdrive Funding, we compare 80+ lenders to find the most competitive agriculture equipment finance for every type of farming and agribusiness operation.
Agriculture Equipment: What We Finance
- Tractors — broadacre, row crop and compact — John Deere, Case IH, New Holland, Kubota, Fendt, Claas, AGCO
- Grain headers and combine harvesters
- Air seeders and precision planting systems
- Boom and strip sprayers — large broadacre and horticultural spray systems
- Livestock handling equipment — yards, crushes, weighing systems
- Irrigation systems — pivots, lateral move, drip and flood irrigation
- Fodder harvesting — balers, silage equipment, mowers, rakes
- Horticultural equipment — pruners, harvesters, orchard platforms
- Grain storage and handling — augers, bins, conveyors
- Poultry and pig farming equipment — housing, feeding, ventilation systems
- Aquaculture and fishery equipment
- Agri-chemical handling and precision application systems
Finance Structures Available
- Chattel mortgage — most common for agriculture equipment
- Seasonal repayment structures — payments aligned with harvest income, available from specialist agriculture lenders
- Balloon/residual arrangements — lower monthly payments with lump sum at end of term
- Finance lease — for equipment with planned replacement cycles
- Agribusiness loans — for larger capital investment programs across multiple assets
Agriculture Equipment Finance Rates
Agriculture equipment finance rates in Australia currently start from around 6.1% per annum for established agribusiness operators financing new equipment with clean credit. Seasonal repayment structures are a key feature of specialist agriculture finance — these allow farming businesses to align repayments with their income cycle rather than paying equal monthly instalments year-round.
New, Used and Auction Equipment
We finance agriculture equipment purchased from dealers, private sellers, fleet disposals and auction. If you are purchasing at auction, getting finance pre-approved before the auction is essential — settlements are typically required within 48 to 72 hours. Contact us before auction day and we will have your finance ready to activate when you win.
How to Apply
Fill in the form above or call Simon to get started. We compare 80+ lenders in one application — no multiple enquiries, no impact on your credit score, and no cost to you. Most applications receive a credit decision within 24 to 48 hours.