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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.
Cultivators are essential for seedbed preparation on Australian cropping farms. Overdrive Funding arranges farm and agriculture equipment finance for all types of cultivation and secondary tillage equipment.
Cultivator Finance: What We Finance
- Field cultivators and tine cultivators (Horwood Bagshaw, Gason, Kelly Engineering)
- Inter-row cultivators and row-crop cultivators
- Offset disc harrows and tandem disc harrows
- Press wheels and crumbler rollers
- Combination cultivator-seeder units
- Rotary harrows and power harrows
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.