Tractor and seeder working a Queensland paddock at sunrise
Agri finance · Gold Coast and Australia wide

From paddock to harvest, financed right.

Tractors, harvesters, sprayers and irrigation, new or used, from a dealer, a clearing sale or a private seller. We compare 70+ lenders, with approvals in as little as 24 hours.

5.0★★★★★
250+ Google reviews
Open 7 days · Runaway Bay
Step 1 of 2
Your loan

Personal or business use?

Loan amount
$50,000
$5k$500k+

Where do we send your quote?

Your specialist will call with your options today.

By submitting you agree to be contacted about your enquiry. Enquiring does not affect your credit score.

By clicking 'Send It', I agree to the Terms & Conditions and Privacy Policy.

✓

Enquiry received

Your dedicated specialist will call you within 24 hours with your options. No obligation.

Reference ·LFG-583927
Oops! Something went wrong while submitting the form.

Partnered with 70+ lenders

Who we help

Finance that knows the land.

No time to visit five banks in seeding season. We match your machinery and your cash flow with lenders who understand farming.

Tractors and machinery

Tractors, headers, balers, seeders and sprayers, new or used.

Farm vehicles and trucks

Utes, side by sides, tippers and livestock trucks for the property.

Irrigation and infrastructure

Pumps, pivots, solar bores, sheds and silos, depending on the lender.

Contractors and agri businesses

Harvest contractors, spray operators and agri services businesses, often on a chattel mortgage.

What you’ll usually need

  • Two forms of ID, plus your ABN
  • Recent financials, or BAS and bank statements for low doc
  • Details of the property or business, if the lender asks
  • The dealer invoice or the machine’s details
Loan types

The right loan for your season.

Farm machinery can be financed a few ways. Here’s how the main options compare.

Loan type
Who it suits
Security
Typical term
Best for
BusinessChattel mortgage
Farmers buying machinery through the business
The machinery
1 to 5 years, some lenders longer
Owning the asset from day one
SeasonalSeasonal repayments
Farms with uneven income through the year
The machinery
Varies by lender
Repayments that follow your harvest
LeaseFinance lease
Farms that prefer to lease and upgrade
The machinery
1 to 5 years
Upgrading on a cycle
Low docLow doc agri finance
Farmers whose latest financials aren’t done
The machinery
Varies by lender
Moving fast before the season

Terms, seasonal options and age limits depend on the lender, the machine and your circumstances. General information only, not a recommendation.

Repayment calculator

Machinery finance calculator. Play with the numbers.

Get a feel for repayments on your next machine, then let your specialist find the real rate from 70+ lenders.

Loan amount
$150,000
Loan term
5 years
Interest rate
9.50% p.a.
Balloon
0%
Estimated monthly repayment
$1,050 /month
Total interest
$13,008
Balloon at end
$0
Total cost
$63,008
Get my real numbers →

Estimate only. Excludes fees and charges and isn’t a loan approval or recommendation. Your actual rate depends on your circumstances.

How it works

You do the easy bit. We do the boring bit.

1

Tell us about the machine

Two quick steps, no paperwork and no impact on your credit score.

2

We compare 70+ lenders

Your specialist shortlists lenders who understand farming and explains each option in plain English.

3

Back in the paddock

Accept your offer and we pay the dealer or seller. Approvals in as little as 24 hours.

Example only
Client reviews

Big wins. Real reviews.

Google
5.0
★★★★★ 250+ Google reviews
★★★★★
“Working with Dayle from Lend It was a complete breeze. His team secured finance for our new company vehicles seamlessly. Highly recommended.”
MC
Marc Chappell
Company vehicles
★★★★★
“Professional and expedited business asset finance. Dayle knows his art and his processes are razor sharp!”
HE
Haines European Prestige
Business asset finance
★★★★★
“Fantastic finding the right deal for our company car. Excellent communication, hassle-free process, prompt service.”
JM
John Milton
Company car
Why a broker

We work for you! Not the banks.

Walk into one lender and you get one lender’s products. We’re independent, so we line up 70+ and show you which one actually fits.

Lenders compared
One
70+
Who you deal with
Varies
One specialist, start to finish
Decision time
Varies by lender
As little as 24 hours
Low doc for ABN holders
Depends on the lender
Options up to $500k

Tap to compare

FAQs

Agri finance, answered.

Still have a question?
Call 1300 082 012, open 7 days.

What can I finance?
+

Tractors, headers, balers, seeders, sprayers, farm utes and trucks, irrigation and, with some lenders, sheds and silos.

Can repayments follow my harvest?
+

Often, yes. Some lenders offer seasonal, quarterly or annual repayments so you pay when the income comes in.

Can I buy at a clearing sale or privately?
+

Yes. New or used, from a dealer, a clearing sale or a private seller. The lender checks the machine’s details and that nothing is owing on it before paying.

Do I need full financials?
+

Not always. Low doc options are available for farmers whose latest financials aren’t finished, depending on the lender.

Will getting a quote affect my credit score?
+

No. Requesting a quote doesn’t affect your credit score. We may run a soft check, which doesn’t impact your score. A full credit enquiry is only made when you apply.

How long can I borrow over?
+

Usually 1 to 5 years, with some lenders going longer depending on the machine and its age.

Can I trade in my old machine?
+

Yes. A trade in can count as your deposit and lower your repayments.

Do you only work on the Gold Coast?
+

No. We’re based in Runaway Bay on the Gold Coast and help farmers Australia wide, by phone, online or on farm. Most of our clients are in Queensland, New South Wales, Victoria and South Australia.

Dayle Filliponi of Lend It Finance Group chatting with a client
Meet your broker
“We find the lender that fits your needs, not ours.”

Dayle Filliponi

Founder, Lend It Finance Group

5.0
250+ Google reviews
70+
lenders compared
3x
Business News Australia Gold Coast Young Entrepreneur of the Year finalist
Meet the team

Your next machine, sorted by a real broker.

Two minutes to start. A real broker on the phone. 70+ lenders competing for your business.

☎Get my quote