Industry
Finance for Agriculture
Agricultural income arrives in seasons while costs run all year. Machinery is expensive and cash flow follows the harvest, not the calendar. Finstead arranges finance that is structured around that rhythm.
What finance suits agriculture businesses?
Equipment Finance: Tractors, harvesters and other farm machinery.
Working Capital: Covers inputs, labour and running costs ahead of harvest.
Low-Doc Business Loans: For established operators who cannot produce up-to-date financials.
Commercial Property: Land and rural property purchases or refinances.
Situations we commonly see
- Machinery that needs replacing before the season starts
- Input costs that fall due months before income
- Operators without current financials but with a long trading history
- Land purchases and refinances
Frequently asked questions
In some cases. Low-doc finance is available for established operators and usually relies on declarations, BAS and bank statements. It is generally priced higher to reflect the lender's lower visibility.
General information only, not financial advice. Lender criteria vary and approval is at the lender's discretion. Finstead is a broker, not a lender.