Secure Farm Equipment Finance Customised to Your Needs

Buying new or used machinery, through a dealer, auction or field days, trust our brokers to secure your most affordable loan. Sourced and structured to meet your cash flow and ROI, using our connection with 80+ lenders to ensure your best interest rates are secured. Complete the form for a quote.

Competitive rates - 80+ lenders
Fixed rate, terms, payments

1300 000 008

Why Aussie's Choose Jade

Expert Advisors

Certified financial professional with years of experience

Personalised Approach

Tailored advice based on your unique situation

No Obligation

Free consultation with no commitment required

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Workable Low Docs Loans for New, Small and Start-up Operators

Starting your own business or operating as a small grower can present challenges when financing for new machinery is required. Banks and many other lenders require complete financial documentation including a minimum 1-2 years of trading figures for loan approval. With our vast lender connections, we do have lenders that assist smaller operators with Low Docs and No Docs equipment loans.

Approval can be given based on minimal business financials but with an assessment of the personal credit profile and financials of the owner. We source and negotiate the most competitive rates and workable terms to ensure an affordable solution is achieved to support your business to grow.

To find out if you are eligible for this type of equipment finance, complete the form now to connect with one of our specialist brokers!

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Low Docs Loans for All Operators | Agri Finance

Trust Our Agri Loan Brokers for Your Farm Equipment Finance

All agri operators can trust us for their loans- pastoralists, growers, graziers, croppers, producers, horticulturalists, dairy farmers, organics, aquaculture, processors, suppliers and contractors.

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Full Portfolio of Asset Finance Options

Looking to improve productivity with the latest model? Seeking to diversify with new machines and systems? The right credit facility is integral to the effectiveness of asset financing and ultimately achieving business objectives from new machinery purchases. We provide a complete portfolio of asset acquisition credit facilities to ensure you can choose the loan product to suit your business set-up – Chattel Mortgage, Leasing, Commercial Hire Purchase or Rent-to-Own.

Tax Optimised Finance Solutions

Our brokers are highly experienced and across the latest asset acquisition tax rulings. Loans are structured to optimise tax benefits and provide greater returns to operators. Lease and Rent-to-Own offer tax deductible payments. Chattel Mortgage and Commercial Hire Purchase deliver a deduction through asset depreciation. Request a quote for your machinery finance.

All Business Set-Ups – Large & Small

We work with all types of business set-ups – companies, partnerships, trusts, self-employed, family enterprises and SMEs in all sectors of the agricultural industry. For new and start-up businesses, No Doc and Low Machine Loans are workable options, available through our connections with specialist non-bank lenders. Speak with our agri loan brokers for a quote and to discuss your individual requirements.

Competitive Loans – 80+ Lender Market Coverage

With our accreditation with more than 80 lenders, which include Australia’s major banks and specialist agricultural sector lenders, we open a wide selection of finance channels for our customers. Providing access to many broker-only lenders that can be highly accommodating and flexible with rates and terms. For the most suitable lender to match your profile and purchase, connect with Jade.

Local Connections, Australia-wide Know-How

All businesses in the farming sector can trust Jade – pastoralists, growers, graziers, croppers, producers, horticulturalists, dairy farmers, organics, aquaculture, processors, and suppliers. Connect with experts that know your challenges and prospects. Have opportunities found for you!
Realise the advantages of our Australia-wide experience and insights of our local brokers. Our experts in key areas include Skye, our northern NSW-southern QLD broker. Complete the form or call now!

Unsecured Loans for Repairs, Upgrades, Servicing, Attachments

Acquiring new units is not always viable. Especially when yields and market prices are low. Upgrading and repairing may be more affordable. Installing the latest tech systems may contribute to higher yields and improved productivity. Different attachments may enable diversification into more profitable crop markets. Financing is available for these types of expenses with Unsecured Business Loans and Overdrafts.

Unsecured credit can be used to fund expenses not available as collateral. While the interest rates are higher compared with secured loans, we source competitive rates and negotiate flexible terms to deliver an affordable solution.

These loans may be used to fund the cost of major machinery repairs and servicing, including engine reconditioning and systems upgrades; purchase and installation of manufacturer upgrades for fuel efficiency and tech; for attachments and other maintenance costs.

Discuss the opportunities available for you by contacting us by phone or online.

Get Started 1300 000 008

Unsecured Loans for Farm Machinery | Agri Finance

Asset Leasing
Chattel Mortgage
Rent-to-Own
Hire Purchase
All Machines

Equipment Leasing – Full Operational Control, Without Ownership Issues

Leasing is a very popular form of secured asset acquisition finance. The lender retains ownership of the machinery over the finance term. The buyer has full control and use of the equipment, without listing the asset on their balance sheet. Improving the appearance of the balance sheet. This credit facility suits businesses that use the accruals method of accounting.

Fixed competitive rates.
Fixed terms up to 7 years.
Fixed, deductible payments.
End-of-term residual payout options.

Asset Lease can be used for new and used units, attracts competitive rates, and includes fully tax-deductible monthly payments. At the end of the term, the residual may be finalised to take full ownership of the machinery. Rates, terms and repayments are fixed. Request an equipment Lease quote now!

Chattel Mortgage – Versatile, Competitive Rates, Balloon Feature

Also called Equipment Loan by some lenders, Chattel Mortgage is one of the most widely used forms of asset financing. It suits businesses using the cash accounting method and attracts the lowest fixed interest rates across the lending market.
Ownership of the equipment is immediately transferred to the buyer, and a tax benefit is realised through asset depreciation. The option balloon feature allows repayments to be structured to better suit cash flow. Fixed terms of up to 7 years are available. No additional collateral is usually required for most operators.

Lowest fixed rates in asset finance.
Fixed terms up to 7 years.
Fixed repayment schedule.
Optional balloon feature.

How affordable may Chattel Mortgage finance be for your machinery purchase? Complete the form for one of our brokers to source you the most competitive quote.

Ease Balance Sheet Pressure with Rent-to-Own Machinery Loans

Need to buy machinery with finance but worried about the effect on your balance sheet? New operator wanting a flexible loan option? Consider a Rent-to-Own loan. The lender will hold ownership of the machine over the loan term while you ‘rent’ the asset with equal, fixed monthly payments. This suits businesses using the accruals accounting method.
Rates are higher than other asset credit facilities, but the benefits may be more attractive to many operators – especially small and new businesses. At the end of the fixed term, you do have the option to buyback the machinery from the lender.

Use equipment without balance sheet ownership burden.
End of term buyback option.
Tax-deductible monthly payments.

Sound in line with your requirements? Complete the form for one of our brokers to source you the most affordable fixed rate quote.

Competitive Rates with Commercial Hire Purchase Machinery Finance

Businesses that use both the accruals and cash methods of accounting can opt for Hire Purchase financing and enjoy the benefits similar to Chattel Mortgage. Benefits include the lowest asset finance rates on the market, deductions through depreciation, and the optional balloon feature.

Shared features with Chattel Mortgage and Leasing.
Fixed rates, terms, payments.
Balloon option.
Deductions through depreciation.
Machinery used as loan security.

If you use accruals accounting to prepare your business accounts, but you would like financing with Chattel Mortgage features, CHP could be ideal for you. Find out if the repayments and rates are ideal for you – request a Hire Purchase machinery quote now!

All Makes, New and Used Ag Machinery, Vehicles, ATV Loans

As specialists in ag finance, we know the rural landscape, the diverse applications and assets required by different farms. We offer finance for all assets – new and used, standard and custom models, viable opportunities to diversify and expand into new markets.

Loans are available for all farm machinery makes, models and types. Harvesting, tillage and seeding machines, loaders, irrigators, tractors, feeders, grain and feed silos, and other variants. Finance irrigation systems and water storage to improve sustainability and resilience.

Loans may cover one or several units. Include the attachments in the order to have the cost included in the loan. Competitive rate loans are available for vehicles, trailers, vans, SUVs, utes, ATVs, horse floats and livestock trailers.

New and used machines.
Leading and emerging makers – Case IH, Deere, Kubota and more.

Request a quote or calculate your own estimates to compare makes and models and start planning your acquisition.

Farm Equipment Finance FAQs

Yes. Pre-approved loans are priced at the same interest rates as loans sought after purchase. The same loan features, terms, and conditions would apply.
When financing the purchase of machinery with Lease, Chattel Mortgage, CHP and Rent-to-Own, the machinery is accepted as the collateral for the loan. Subject to lender approval, no additional collateral may be required.
A range of repairs to machinery may be financed with an Unsecured Business Loan of an Overdraft. These types of credit can be used for engine reconditioning, major services, tyre and other parts replacement, updating tech and systems and repairs caused by damage.
Where attachments are purchased concurrently with a tractor from the same dealer, the costs may be included in the loan, subject to lender approval. Where purchased separately, they cannot be added to the tractor loan.
During the Lease term, the lender retains ownership of the ATV. At the end of the term, the borrower has the choice of paying out the residual to take full ownership of the vehicle or not finalise the residual and return the vehicle to the lender and relinquish any claim to the vehicle.

Residuals and balloons are both end-of-term loan payouts. A balloon is available with Chattel Mortgage and Hire Purchase. A residual is included with Leasing. The amount of a balloon may be negotiated with lenders. Residuals are in line with ATO schedules.
A balloon is an optional inclusion with Chattel Mortgage and Commercial Hire Purchase. It is a portion of the loan that is set aside and paid in full after the last monthly payment is finalised.
The same asset acquisition products can be used to finance both new and used machines. The interest rates, terms and loan conditions may vary for used compared with new models.
Yes. All asset acquisition credit products offer tax deductions. Lease and Rent-to-Own provide fully deductible payments and Chattel Mortgage and Commercial Hire Purchase provide a deduction through asset depreciation.
The purchase of machinery used in agriculture may be financed with Lease, Chattel Mortgage, Rent-to-Own and Commercial Hire Purchase credit products. All can be effective, but businesses should select the loan type that suits their accounting method and is in line with their financial objectives.

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Secure Farm Equipment Finance Customised to Your Needs