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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.
Farm machinery finance is the lifeblood of Australian agriculture. Whether you're expanding your operation, replacing ageing equipment or buying your first header, Overdrive Funding arranges farm and agriculture equipment finance for all types of farm machinery — new, used, demo and auction — from 80+ lenders.
Farm Machinery Finance: What We Finance
- Tractors — compact, mid-range and large four-wheel drive tractors (all brands)
- Grain headers and harvesting machinery
- Seeders — air seeders, disc seeders and precision seeding systems
- Sprayers — boom sprays, self-propelled and trailed
- Balers — round balers and large square balers
- Tillage machinery — ploughs, cultivators, disc harrows and rotary hoes
- Silage and fodder conservation machinery
- Grain handling — augers, silos, conveyors and grain carts
- Livestock machinery — crushes, yards and shearing equipment
- Irrigation systems and pumping equipment
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.