Finance for agricultural, earthmoving and manufacturing plant — including used assets, auction purchases and repayments structured around seasonal income.
Earthmoving, agricultural, manufacturing and processing assets across Australia
Machinery is where equipment finance gets specialised. A $400,000 harvester, a second-hand excavator bought at clearing sale, and a CNC machine imported on a 90-day lead time are three very different credit propositions — and the lenders who are comfortable with one are often not the right home for the others.
The variables that decide the outcome are asset age, resale depth, whether the machine is attached to land or genuinely mobile, and in agriculture, the seasonality of the income servicing it. Farm income is lumpy by nature. Lenders who understand agriculture structure repayments around harvest and livestock sale cycles rather than demanding an even monthly figure that does not match how the business actually earns.
We arrange finance for new and used plant, from a single machine through to progressive drawdowns on an equipment programme.
Tractors, headers, harvesters, seeders, sprayers, balers, feed equipment and irrigation infrastructure.
Excavators, loaders, skid steers, dozers, rollers, elevated work platforms and attachments.
CNC machines, presses, packaging lines, refrigeration and commercial food production equipment.
Forklifts, telehandlers, racking, conveyors and warehouse fit-out.
Asset age at end of term. Most lenders assess how old the machine will be when the loan finishes, not when you buy it. A ten-year-old excavator on a five-year term is a fifteen-year-old asset at the end — which is where a lot of applications quietly fall over. Specialist funders are more flexible here than banks, particularly for asset classes with deep resale markets.
Private sale and auction purchases. Clearing sales and auctions are normal in agriculture and earthmoving, but they compress timelines. Finance needs to be arranged before you bid, not after, and the lender will want a PPSR search confirming no existing security sits over the machine.
Seasonal repayment structuring. Annual or structured repayments aligned to harvest or sale cycles are available from agricultural lenders and generally not from generalist funders. If your income arrives twice a year, a monthly repayment schedule is the wrong shape.
Low doc where financials lag. Where recent financials are not yet prepared, some lenders will assess on ABN and GST history plus asset security instead of full financials, typically with a lower funding ceiling.
Talk to us before the sale, not after. Pre-arranged finance means you know your limit before you bid, and settlement can be met inside the payment window most auction houses impose. We also look at business vehicles and the full range of equipment finance structures.
Yes, and it is a large part of what we arrange. The key constraint is the age of the machine at the end of the loan term rather than at purchase, so older assets generally mean shorter terms. Asset classes with deep resale markets — tractors, excavators, forklifts — are viewed more favourably than specialised equipment with a thin second-hand market.
Yes, with the right lender. Agricultural funders offer annual, seasonal and structured repayment schedules aligned to when your income actually arrives. Generalist equipment lenders usually will not. This is one of the clearest cases where lender selection matters more than the headline rate.
Yes, and you should. We can put a pre-approval in place so you know your limit before bidding and can settle inside the payment window auction houses impose, which is often short. The lender will run a PPSR search to confirm no existing security is registered against the machine before funds are released.
There are low doc options assessed on ABN and GST registration history plus the security of the asset itself, rather than full financial statements. Funding ceilings are typically lower and pricing reflects the reduced verification, but it is a workable path when your accountant has not yet finalised the year.
Tell us what you need to buy and how you use it. We will come back with structures and lenders that fit — not a single bank's one option.
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