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Key Takeaways
- Overdrive Funding finances all types of farm 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.
Farming is one of Australia's most capital-intensive industries. At Overdrive Funding, we compare 80+ lenders to find the most competitive finance for every type of farm equipment — from compact tractors on small family farms to large grain headers and air seeders on broadacre cropping operations.
Farm Equipment: What We Finance
- Tractors — all sizes and brands (John Deere, Case IH, New Holland, Kubota, Fendt, Massey Ferguson, AGCO, Claas)
- Grain headers and combine harvesters (John Deere, Case IH, New Holland, Claas)
- Air seeders and precision seeding systems (Bourgault, John Shearer, Horwood Bagshaw)
- Boom sprayers and liquid fertiliser applicators (John Deere, Goldacres, Croplands, Apache)
- Round balers and square balers (Krone, New Holland, Massey Ferguson, John Deere)
- Silage equipment — forage harvesters, mowers, rakes and tedders
- Telehandlers for farm use (JCB, Manitou, Merlo, Merlo)
- Irrigation systems and water pumping equipment
- Farm utility vehicles and ATVs
- Grain augers, bins and grain handling equipment
- Sheds, silos and rural infrastructure (where financeable as business assets)
Finance Structures Available
- Chattel mortgage — most common for farm equipment; asset owned from day one
- Seasonal repayment structure — lower payments during growing season, higher at harvest — available from specialist agriculture lenders
- Finance lease — keeps equipment off the balance sheet
- Balloon or residual value — reduces monthly repayments; lump sum due at end of term
- Agribusiness loans — for larger farm capital investment programs
Farm Equipment Finance Rates
Farm equipment finance rates in Australia currently start from around 6.1% per annum for established farming businesses financing new equipment with clean credit. Seasonal repayment structures are available from specialist agriculture lenders — these align repayments with harvest income rather than requiring equal monthly payments throughout the year.
New, Used and Auction Equipment
We finance farm 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.