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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.
Buying farm equipment from a private seller — including neighbouring farms, retiring farmers and private advertisers — is common in Australian agriculture. Overdrive Funding arranges farm and agriculture equipment finance for private sale purchases, with specialist lenders who are experienced in private farm equipment transactions.
Private Seller Farm Equipment Finance: How It Works
- Find the farm equipment you want from a private seller
- Contact Overdrive Funding with the equipment details — make, model, year, asking price
- We arrange a farm and agriculture equipment finance pre-approval
- We coordinate title search and security checks on the private sale asset
- Finance is arranged — we pay the private seller directly on settlement
- Available for all types of farm equipment — tractors, headers, seeders and more
- Available Australia-wide — we handle interstate private sale transactions
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 for private sale purchases is available at competitive rates through specialist agriculture lenders. Lenders assess the specific asset's resale market, condition and age. Private sale rates are typically similar to dealer purchase rates for well-maintained equipment from reputable brands.
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.