Agricultural Equipment Loans
Your farm's success depends on having the right machinery at the right time. From tractors and harvesters to irrigation systems, we help Australian farmers finance the equipment they need with flexible options that work with seasonal cash flow.
Seasonal repayments available. Low doc options. Drought hardship considered.
Finance Your Farm Machinery
Australian agriculture demands reliable, efficient machinery. Whether you're upgrading your tractor, investing in a new harvester, or installing irrigation to drought-proof your property, having the right equipment can transform your operation's productivity and profitability.
At Your Lending Friend, we specialise in agricultural equipment finance that works with farming cash flow. We connect you with lenders who understand agriculture - including those offering seasonal repayment options, low doc approvals, and consideration for past drought hardship.
Looking for specialist agricultural finance? Also see our dedicated Agriculture Finance page with tractor, harvester, and farm equipment options.
Farm Equipment We Finance
From compact tractors to broadacre machinery
Tractors
From compact utility tractors to high-horsepower broadacre machines.
John Deere, Case IH, New Holland, Kubota, Massey Ferguson
Harvesters & Headers
Combine harvesters, cotton pickers, and specialty crop harvesters.
John Deere, Case IH, Claas, New Holland
Irrigation Equipment
Centre pivots, lateral moves, drip systems, and pumping equipment.
Valley, Zimmatic, T-L, Netafim
Seeding & Planting
Air seeders, planters, seed drills, and precision planting equipment.
John Deere, Case IH, Seed Hawk, Bourgault
Spraying Equipment
Self-propelled sprayers, boom sprayers, and spray drones.
John Deere, Case IH, Hardi, Goldacres
Hay & Fodder
Balers, mowers, rakes, tedders, and silage equipment.
John Deere, Case IH, Kuhn, Krone, Claas
Why Finance Farm Equipment With Us?
Finance that works for farmers
Seasonal Repayments
Lenders who understand farming offer flexible repayment schedules - higher payments at harvest, lower during the off-season.
Fast Approvals
Many applications approved within 24-48 hours. Get your equipment before the season starts, not weeks after.
Low Doc Options
Minimal paperwork for busy farmers. Get approved with bank statements and BAS rather than detailed financials.
Drought Hardship Considered
We work with lenders who understand agricultural challenges. Past drought hardship or credit issues can be considered.
New & Used Equipment
Finance brand new machinery from dealers or quality used equipment from private sales and auctions.
Agricultural Expertise
Our team understands farming. We help you choose the right finance structure for your operation and tax situation.
Agricultural Equipment Finance Details
Flexible finance for your farming operation
From compact tractors to large harvesting equipment
Flexible terms with seasonal repayment options available
Structure repayments around your harvest and income cycle
How Agricultural Equipment Finance Works
Getting approved for your farm equipment loan is simple
Tell Us About Your Equipment
Share what you want to finance - tractor, harvester, irrigation. We'll find lenders who understand your farming operation.
We Compare Lenders
Our specialists search 40+ lenders including agricultural finance experts who offer seasonal repayment options.
Choose Your Structure
Chattel mortgage, finance lease, or seasonal payments? We explain the options for your tax and cash flow needs.
Get Your Equipment
Fast approval and straightforward settlement. Get your machinery working on your farm when you need it.
Checking your options won't affect your credit score
Finance Structures for Farmers
Choose the right structure for your farming operation and tax situation
Chattel Mortgage
Own the equipment from day one. Claim full GST upfront on your next BAS. Most popular for GST-registered farmers.
Best for: Most farming businesses
Seasonal Payments
Higher payments after harvest, lower payments in quieter months. Aligns repayments with your farming income cycle.
Best for: Cropping operations
Finance Lease
Equipment stays off your balance sheet. Lease payments are tax deductible. Option to purchase at end of term.
Best for: Off-balance sheet needs
Not sure which structure suits your farm? Talk to our team and we'll help you decide.
Agricultural Equipment Finance FAQs
Common questions about financing farm machinery
We finance virtually all farm machinery including tractors, harvesters, headers, irrigation systems (pivots, pumps, drip), seeders, air carts, sprayers, hay equipment (balers, mowers), livestock handling equipment, farm vehicles, and more. Both new and used equipment from dealers or private sales.
Yes, many agricultural lenders offer seasonal or flexible re...
Yes, many agricultural lenders offer seasonal or flexible repayment options. This means higher payments after harvest when cash flow is strong, and lower payments during quieter months. We'll structure finance around your farming calendar.
Agricultural equipment loans typically range from $30,000 to...
Agricultural equipment loans typically range from $30,000 to $1 million or more, depending on the equipment and your farm's financials. We can finance everything from a compact tractor to a full harvesting setup.
Yes. We work with specialist agricultural lenders who unders...
Yes. We work with specialist agricultural lenders who understand that farmers can face challenges beyond their control - drought, floods, commodity prices. If your farm is productive and you can demonstrate repayment ability, options are available.
Yes, we finance both new and used agricultural equipment. Fa...
Yes, we finance both new and used agricultural equipment. Farm machinery often has a long working life, and lenders will typically finance equipment 10-15+ years old depending on condition and hours. Older equipment may require larger deposits.
Yes, if you're GST registered. With chattel mortgage, you ca...
Yes, if you're GST registered. With chattel mortgage, you can claim the full GST upfront on your next BAS. This is a significant cash flow benefit for farmers making major equipment purchases.
Deposit requirements vary by lender and your situation. Some...
Deposit requirements vary by lender and your situation. Some lenders offer no-deposit options for strong applications. Having a trade-in or 10-20% deposit can help secure better rates or approval with past credit challenges.
For straightforward applications, we can often get approval ...
For straightforward applications, we can often get approval within 24-48 hours. Low doc applications can be even faster. We work efficiently to help you meet seasonal timing requirements.
Still have questions? Contact our friendly team