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Farm Finance2026-07-112 min read

Finance for Farmers | Agriculture Equipment & Business Finance | Overdrive Funding

Overdrive Funding provides finance for Australian farmers — tractor finance, header finance, irrigation equipment, seasonal repayments and farm cash flow from 80+ lenders.

SK

Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Overdrive Funding is the dedicated finance broker for Australian farmers — equipment, vehicles, cash flow and more.
  • We compare 80+ lenders in one free application to find the best deal for your farmer business.
  • Low doc finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
  • Business overdrafts, insurance premium funding and tax debt facilities available alongside equipment and vehicle finance.
  • Our service is completely 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 — the equipment required to run a modern cropping or grazing operation represents significant investment. At Overdrive Funding, we understand the unique financial rhythm of farming — seasonal income, variable commodity prices and the critical role of equipment reliability at harvest time.

Finance Solutions for Farmers

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  • Tractor finance — all brands (John Deere, Case IH, New Holland, Kubota, Fendt)
  • Grain header and combine harvester finance
  • Seeder and air seeder finance
  • Boom sprayer finance
  • Irrigation and water infrastructure finance
  • Farm vehicle and ute finance

How We Help Farmers

Farmers benefit from finance structures that match their unique cash flow profile. Seasonal repayment plans — where monthly payments are lower during growing season and higher at harvest — are available from specialist agriculture lenders and can significantly reduce financial stress during the crop cycle.

Cash Flow Solutions for Farmers

Beyond equipment finance, many farming businesses benefit from cash flow facilities (business overdrafts or lines of credit) to manage input costs during the growing season. Insurance premium funding is also popular for farmers with significant crop, livestock and machinery insurance needs.

Why Farmers Choose Overdrive Funding

We compare 80+ lenders in one application, charge nothing for our service, and have specialist knowledge of the farmer industry. Simon and Emma at Overdrive Funding have helped hundreds of farmers get better finance deals — call us today or fill in the form above for a free rate comparison.

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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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