Agriculture Finance.
Specialist agriculture finance structured around seasonal income - not the same rigid monthly repayment schedule that works for city businesses. From equipment and land to livestock and working capital, we find the right solution across 60+ lenders including specialist rural financiers.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Agriculture finance solutions - built around your season
Finance structured around the unique cash flow and asset profile of Australian agricultural businesses.
Equipment Finance
Finance tractors, harvesters, sprayers, seeders, and farm machinery with competitive rates and flexible structures - including seasonal repayment arrangements aligned to your harvest income.
Land Purchase Loans
Rural property and farmland finance structured around the productive capacity of the land. We work with specialist rural lenders who understand agricultural property - not just standard residential mortgage criteria.
Seasonal Working Capital
Revolving credit facilities and seasonal loans to bridge cash flow between planting and harvest. Drawdown when you need it, repay when income arrives - matching your production cycle.
Livestock Financing
Finance the purchase of cattle, sheep, pigs, and other livestock. Structures tailored to the production cycle - with repayment aligned to sale proceeds rather than fixed monthly schedules.
Farm Infrastructure Loans
Irrigations systems, sheds, silos, fencing, and farm buildings financed with terms that reflect the long productive life of agricultural infrastructure assets.
Crop Finance
Pre-harvest crop finance to fund inputs - seed, fertiliser, chemicals, and labour - with repayment structured around the sale of the crop at harvest.
Run The Numbers
Calculate your agriculture finance repayments
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Estimated monthly repayment
$2,674.48
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why Australian farmers choose finance to grow their operations
Improved Productivity
Modern, well-maintained equipment and adequate capital for inputs directly drives higher yields, lower costs per unit, and stronger farm profitability.
Cash Flow Stability
Seasonal finance facilities smooth cash flow through the agricultural cycle - removing the pressure of large upfront costs during planting and capital equipment purchases.
Flexibility
Farm finance is structured around agricultural realities - seasonal income, commodity price variability, and the long-term nature of land and infrastructure investment.
Access to Technology
Finance enables access to precision agriculture technology, GPS-guided machinery, and modern irrigation systems that improve efficiency and reduce input waste.
Risk Management
Preserving working capital through finance gives your operation a buffer against unexpected seasons, commodity price movements, and equipment breakdowns.
Business Growth
Finance enables land acquisition, herd expansion, and infrastructure investment - scaling your operation without waiting years to accumulate the required capital.
Why Co-Pilot
Why Co-Pilot - not just any broker
Agricultural Lending Expertise
We understand the seasonal nature of farm income, the complexity of rural property assessment, and the specific products available to Australian agricultural businesses.
Specialist Rural Lenders
Access to lenders who actively work in the agricultural sector - with products and credit policies designed for farms rather than urban businesses.
Seasonal Repayment Structures
We negotiate repayment arrangements that work with your income cycle - not against it. Flexible drawdown, interest-only periods, and harvest-aligned repayments.
Competitive Rates
Specialist agri-lenders often have better rates and more flexible criteria than the major banks. We search the full rural lending panel - not just what's on your bank's product list.
End-to-End Support
From application through to settlement, we manage the process and keep you informed - so you're not chasing paperwork during the season when your time is most valuable.
Eligibility
Agriculture finance eligibility - assessed on your full operation
Agricultural finance is assessed differently from standard business lending. Lenders with agri-business expertise understand seasonal income variability and will consider the full picture of your farming operation.
- Active ABN and proof of farming or agricultural business operations
- Business financial statements - profit & loss and tax returns for 2 years
- Farm cash flow budget or seasonal income projections
- Asset and liability schedule - including land, equipment, and livestock owned
- Details of asset, land, or input costs being financed
- Satisfactory credit history - including consideration of seasonal payment patterns
Difficult season or unusual circumstances? Talk to us - specialist agri-lenders assess the viability of your operation, not just last year's numbers.
Ready to grow your farm with the right finance?
Whether you need equipment, land, livestock, or seasonal working capital - our team will find the right structure and lender for your agricultural operation.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Agriculture Finance
Ready to finance the season? Let's find the right structure.
Tell us about your operation and what you're financing - we'll find the right structure across our specialist agri-lending panel, with repayments that work with your season, not against it.