What we fund, and what it costs
Weekly figures are indicative, on a commercial chattel mortgage over five years with a 30% residual. They are an estimate, not an offer of finance.
What you need
For most tractors on a low doc application: an ABN, GST registration, your licence and an assets and liabilities statement. An ABN over two years opens the widest panel — we work with shorter trading histories too, usually with a deposit or property behind it. No financials for the majority of approvals.
We are a broker, not a lender: we take one application to a panel of 23 commercial lenders and put it where it actually fits, rather than where it happens to land.
Questions people actually ask
Can I get seasonal or annual repayments?
Often yes. Agricultural lenders understand that income arrives at harvest, and several will structure repayments annually or seasonally rather than monthly.
Do I need to be a primary producer?
No, but it helps. Primary producers get access to agricultural-specific products; a hobby block or contractor is funded as ordinary equipment finance.
Is a front-end loader included?
Yes, when it is on the same invoice. Most compact tractors are funded with the loader as one asset.
How old can the tractor be?
Tractors age well and lenders know it. Many will fund units 15 years or older, which is far more generous than they are with trucks or cars.
Get a number on it
Tell us the machine and we will come back with what it costs a week and who would fund it. Takes about 90 seconds and it does not touch your credit file.
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