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Farm Finance2026-07-123 min read

Farm Equipment: What We Finance | Overdrive Funding

We compare 80+ lenders to find the best finance deal on all types of farm equipment — tractors, headers, seeders, sprayers and more.

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Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

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

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  • 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 6.29% 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.

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Frequently Asked Questions

Common questions about this topic, answered by Simon Kendrick.

How do unsecured business loans work in Australia?

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Unsecured business loans provide working capital without requiring property or equipment as security. Non-bank lenders assess your business bank statements and revenue to determine how much you can borrow, at what rate and over what term.

What is the difference between a secured and unsecured business loan?

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A secured loan uses collateral such as property, equipment or invoices as security, typically offering lower rates and higher amounts. An unsecured loan requires no collateral but generally carries a higher rate to reflect the increased lender risk.

How are unsecured business loan repayments structured?

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Most non-bank unsecured loans use daily, weekly or monthly repayments automatically debited from your business account. The repayment frequency and structure vary between lenders and products.

What can I use an unsecured business loan for?

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Most unsecured business loans have no restrictions on use for legitimate business purposes including working capital, stock, marketing, wages, equipment, fit-outs, ATO debt or business growth.

What is a business line of credit and how does it work?

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A line of credit provides access to a pre-approved credit limit that you draw on as needed, paying interest only on the amount drawn. It is well-suited to managing cash flow gaps or short-notice business opportunities.

What is the minimum revenue required for an unsecured business loan?

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Revenue requirements vary between lenders. Most non-bank lenders look for consistent monthly revenue above a minimum threshold, assessed across your recent bank statements. We can assess your eligibility without a formal credit enquiry.

What is the maximum loan term for an unsecured business loan?

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Unsecured business loan terms typically range from 3 to 24 months. Some lenders offer longer terms for larger amounts or established businesses. Longer terms reduce repayments but increase the total interest paid.

Can I get an unsecured business loan if my business is seasonal?

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Potentially. Some lenders offer flexible repayment structures suited to seasonal businesses. Providing 12 months of bank statements helps demonstrate your actual annual income including seasonal fluctuations.

What is the fastest way to get an unsecured business loan approved?

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Having 3-6 months of business bank statements, ABN details and your driver licence ready to submit together allows for a faster assessment. Applying through a broker who matches your profile to the right lender can significantly speed up the process.

Get Started

Ready to Secure Your Finance?

Compare 80+ lenders for the lowest rate available in a single application and get a fast decision with no impact on your credit score.

  • Bank rates without the queue
  • One application, multiple options
  • Approved in 24–48 hours, valid for 90 days
  • $0 down, no additional security and no financial options
  • Loans for all credit profiles and ABN lengths
  • 100% free service — no hidden fees or costs, ever
Call Simon Now 0417 000 316

Free No-Obligation Quote

Submitting this form does not lock you into finance or have any impact on your credit profile.

Simon Kendrick — Managing Director, Overdrive Commercial Funding

Simon Kendrick

Managing Director & Head Commercial Finance Broker | Overdrive Commercial Funding

Simon Kendrick is the Managing Director and Head Commercial Finance Broker at Overdrive Commercial Funding, an Australian family-owned commercial finance brokerage backed by over 30 years of industry experience.

Specialising in truck finance, vehicle finance, machinery and equipment finance, business loans and commercial lending, Simon helps Australian businesses secure competitive interest rates, flexible repayment terms and tailored funding solutions through a panel of 80+ banks and non-bank lenders.

Unlike traditional brokerages, Simon personally works with every client from initial consultation through to settlement and beyond. No call centres, no handovers and no constantly changing brokers. Clients deal directly with Simon, building a trusted, long-term relationship with the same finance broker for the next 5, 10 or more years.

Whether you're a sole trader, new ABN holder, growing business or established company, Simon provides consistent, personalised service and ongoing finance support as your business evolves.

FBAA MemberAccredited with Major Banks and 80+ Lenders30+ Years' Industry Experience5.0-Star Rated on Google

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