Specialist lending solutions that understand seasonal cycles, commodity markets, and the full agricultural supply chain.
We finance the entire agricultural supply chain — from input suppliers through to processors, distributors, and exporters
Specialist understanding that mainstream banks can't match
Structure repayments around harvest income, livestock sales, or milk cheques — not arbitrary monthly dates.
We assess long-term viability, not just last year's P&L. A drought year isn't business failure — it's weather.
Finance structured for commodity price volatility with buffers for market downturns built into assessments.
Access to rural valuers who understand productive capacity, water rights, and agricultural land values.
Navigate available grants, concessional loans, and industry support programs
Concessional loans for farm investment, drought recovery, and water infrastructure through the RIC's AgBiz and AgRebuild programs.
Income support payments for farming families experiencing hardship, plus access to financial counselling services.
State-specific programs including low-interest loans, grants for diversification, and drought assistance packages.
Free Rural Financial Counselling Service providing independent advice on business planning, debt restructuring, and finance options.
Rebates and grants for water infrastructure including tanks, bores, pipelines, and desalination during declared drought periods.
Carbon credit programs, biodiversity stewardship payments, and sustainable agriculture grants for environmental improvements.
Purpose-built finance for every stage of the agricultural cycle
Land acquisition, property expansion, and succession planning finance.
Tractors, harvesters, irrigation systems, and farm infrastructure.
Pre-season input finance, livestock trading, and crop production costs.
Trading stock, breeding herd expansion, and livestock working capital.
Water entitlement purchases, irrigation infrastructure, and dam construction.
Processing facilities, cold storage, packing sheds, and value-adding operations.
From cropping to livestock to horticulture — we understand your industry
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From the wheat belt to the tropics, from dairy country to the outback — we have lender relationships and expertise across every Australian agricultural region.
Generic banks assess farms like suburban businesses — and decline when drought hits. Specialist agri lenders understand weather cycles, commodity markets, and long-term farm viability.
From initial enquiry to funds in your account
Discuss your operation, goals, and finance requirements with our agri finance team.
We identify specialist agri lenders suited to your commodity, region, and situation.
We prepare your application with production records, valuations, and forward projections.
Funds released with repayment structure matched to your production cycle.
Yes. Specialist agri lenders assess long-term viability, not just recent P&L. They understand drought is weather, not management failure. We present your application with historical production data showing capacity in normal seasons.
Typically 50-70% LVR depending on land type, location, and productive capacity. Prime agricultural land in established farming regions commands higher LVRs than remote pastoral stations.
Yes, with specialist lenders. Livestock finance allows you to use trading stock or breeding herds as security for working capital facilities — particularly useful for livestock traders and backgrounders.
You structure repayments around your income — quarterly for dairy, post-harvest for cropping, post-sale for livestock. Principal and interest concentrated when you have cash, interest-only during production phases.
Yes, this is a specialty area. We structure finance for farm succession including parent retirement, sibling buyouts, and intergenerational transfers with appropriate security and repayment arrangements.
Water rights are valuable assets. Specialist lenders understand permanent vs temporary entitlements, allocation history, and can often use water rights as additional security or finance water purchases separately.
Absolutely. We arrange chattel mortgages, hire purchase, and finance leases for tractors, harvesters, irrigation equipment, and farm infrastructure with seasonal payment structures aligned to your income cycle.
Typically 2-3 years of financials, production records (yields, livestock numbers, milk production), property valuations, and forward projections. We guide you through exactly what's needed for your situation.
Get expert guidance from specialists who understand farming — not generic bankers who treat farms like suburban businesses.
Or call 03 9020 2699 to speak with us
