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Key Takeaways
- Large agriculture businesses need finance solutions well beyond farm equipment loans.
- Seasonal cash flow finance and invoice finance bridge the gap between harvest income and year-round operational costs.
- Business overdrafts and lines of credit keep farming operations funded through dry seasons and low commodity price periods.
- Insurance premium funding spreads large annual farm insurance premiums into manageable monthly payments.
- ATO tax debt solutions help farming businesses resolve GST and income tax obligations before the ATO acts.
- Agriculture 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.
Most farming businesses first contact us about a tractor, a harvester or a seeder. But the large agricultural businesses that stay with us long term are using Overdrive Funding as their complete finance broker — not just for equipment.
Agriculture is one of the most financially complex industries in Australia. Income is lumpy, seasonal and dependent on commodity prices and weather. Costs are continuous regardless of what is coming in. A broker who only does equipment finance is only solving one part of the problem.
Seasonal Cash Flow Finance for Farming Businesses
Agricultural cash flow is driven by seasons. Revenue peaks at harvest; costs continue year-round. Seed, fertiliser, fuel, labour and machinery repairs all need to be paid well before the grain is in the silo and the invoice is raised.
Invoice finance and seasonal working capital facilities let farming businesses access funds tied up in contracts, commodity sales and receivables before clients and processors settle. For large cropping, livestock and mixed farming operations, this means operational costs can be met without waiting for the next cheque.
Business Overdrafts and Lines of Credit
A business line of credit gives farming businesses approved working capital to draw on and repay as seasonal conditions change. Interest accrues only on the drawn amount — making it far more cost-effective than a fixed-term loan for businesses whose cash needs are variable and seasonal.
- Covering input costs (seed, fertiliser, chemicals) ahead of planting season
- Funding livestock purchases when prices are favourable
- Maintaining cash flow during drought or low-yield seasons
- Paying wages and operational costs between harvest income cycles
- Bridging the gap when commodity prices delay settlement timing
Insurance Premium Funding
Farm insurance is substantial. A large broadacre, mixed farming or intensive livestock operation can carry annual insurance premiums of $50,000 to $300,000 or more. Insurance premium funding allows the full annual premium to be paid to the insurer on renewal day by the funder, with the farming business repaying in monthly instalments over 10 to 11 months. Cover is current from day one. Cash is preserved for inputs, wages and operational costs.
ATO Tax Debt Solutions
Agricultural businesses are particularly exposed to ATO tax debt accumulation. In good seasons, taxable income spikes and GST collected on commodity sales builds up quickly. BAS lodgements can fall behind during busy planting and harvest periods. We arrange ATO tax debt solutions including refinancing the ATO balance into a business loan with fixed repayments, establishing ATO payment arrangements, and accessing fast-approval facilities to clear the balance before the ATO takes enforcement action.
Farm Equipment Finance Across Every Asset
- Tractors — all horsepower classes, all major brands
- Headers and harvesters — grain, cotton, cane, potato
- Seeding and planting equipment
- Spray rigs and boom sprayers
- Chaser bins and field bins
- Balers and hay equipment
- Irrigation and water infrastructure
- Grain handling and storage equipment
- Farm vehicles — utes, quad bikes, side-by-sides
- Livestock equipment and yards
One Broker. Every Finance Problem.
Large farming businesses want one trusted contact who understands agriculture, knows which lenders understand seasonal income and farming balance sheets, and can work through everything from a harvester purchase to an ATO debt resolution and an insurance renewal.
Every enquiry lands directly with Simon, Director. Our service is completely free — we are paid by the lender after settlement. Get a free assessment now or call Simon directly to discuss any finance need in your farming business.