Running a farm or agribusiness requires access to machinery and equipment — from tractors and harvesters to irrigation systems and specialised attachments. Agricultural equipment finance lets you acquire the assets you need without impacting cash flow. At EasyAsset, we help Australian farmers and agribusinesses source and secure finance for agricultural equipment, comparing lenders to find competitive rates, flexible terms, and solutions suited to your operation.

Why businesses use agricultural equipment finance

Agricultural equipment finance is designed to help farming businesses manage costs while maintaining productivity. Common scenarios include:

• Purchasing tractors, harvesters, and implements for crop or livestock operations.
• Upgrading machinery to improve efficiency, reduce downtime, and lower maintenance costs.
• Expanding operations — for example, adding new fields, livestock, or processing facilities.
• Funding specialised equipment such as irrigation systems, sprayers, or GPS-guided precision tools.
• Managing seasonal cash flow — ensuring machinery is ready for planting or harvest without stretching working capital.
• Supporting short-term projects or contract work — such as large-scale harvesting or land development.
  
  

Finance allows businesses to access equipment quickly, keeping operations running smoothly and helping farmers respond to seasonal or market demands.

How EasyAsset helps you access agricultural equipment finance

Securing finance can be complex, with multiple lenders, loan types, and terms to consider. EasyAsset simplifies the process by:

Comparing multiple lenders

We evaluate banks, non-bank lenders, and specialist agricultural financiers to find the best option for your farm or agribusiness.

Matching the right finance structure

Chattel mortgages, leases, hire purchase, or low-doc facilities — we help you select a solution that balances repayments, ownership, and tax benefits.

Streamlining approvals

Our team guides you through documentation, application submission, and lender questions, ensuring faster access to funds.

Supporting ongoing equipment needs

As your business grows, we help adjust limits, refinance, or add new equipment to your facility without disrupting operations.

Top things to know about agricultural equipment finance

• Loan type affects ownership and tax benefits — chattel mortgages allow you to own and claim depreciation; leases reduce upfront costs.
• Deposit requirements vary — some lenders require little or no upfront payment depending on asset type and business profile.
• Equipment age and condition matter — new and used machinery can often be financed, but policies differ by lender.
• Flexible repayment options — terms can be aligned with seasonal income or cash flow cycles.
• Fast access to capital — pre-approved finance helps you secure equipment before it sells or before seasonal windows close.
• Compliance and safety standards — lenders may assess whether equipment meets Australian agricultural and workplace regulations.
  

Get the equipment you need, without disrupting cash flow

Whether upgrading machinery, expanding your farm, or investing in specialised equipment, EasyAsset helps you compare, select, and secure agricultural equipment finance. Access the tools you need to grow your operation, improve efficiency, and stay competitive — while keeping working capital free for day-to-day farming needs.