Equipment Finance

Discover fuss-free financing with the experts at Australian Agri Finance. With a network of 25 quality lenders behind us, we help you get the finance you need – minus the hassle.

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Weighing Up Your Finance Options? We Can Help

AAF Has A Network Of 25 Quality Lenders, Meaning We Can Find You The Right Finance Solutions With A Single Application.

Making Equipment Finance Simple For Australian Farming Businesses

At Australian Agri Finance, we want to make financing your farming machinery simple and obtainable. Our goal is to make sure you understand the best finance options for your business – without all the running around.

Unlike other brokers and lenders, we understand the industry and recognise the responsibilities agricultural business owners shoulder. That’s why we’ve taken the fuss out of the financing process, offering a smooth process and quick turnaround on new and used equipment finance.

We offer three main financing products at Australian Agri Finance: Chattel Mortgage, Finance Lease and Land Finance. For more on these equipment finance types, see below or give one of our friendly team members a call.

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Chattel Mortgage (Equipment Loan)

Chattel mortgages offer many benefits to agricultural business owners, so they’re a popular equipment finance option. Like a traditional home loan, a chattel mortgage agreement provides funds to purchase an asset that is then used as security for the loan.

Sometimes referred to as an equipment loan, this finance option gives you ownership of the asset right away, meaning you can use it to generate income to pay off the loan. However, if you fail to meet the repayment requirements, the equipment may be repossessed. 

At Australian Agri Finance, we work with a network of lenders allowing you to access great rates on new and used equipment loans. This form of finance offers lower fixed interest rates and requires no capital investment, which is a huge bonus for businesses. You can also enjoy flexible payments, and we can set balloon or residual payments to lower your monthly repayment amount. This finance method also offers tax benefits such as deductions and added claims.

For more information on your agribusiness equipment loan options, get in contact with Australian Agri Finance today.

Helping Australian farming businesses grow and thrive

With a range of finance products tailored for the agricultural industry, AAF has a funding solution for every season.

Finance Lease

Need more flexibility in your equipment finance? Consider a finance lease agreement to fund your agricultural machinery purchase.

The best way to look at a finance lease is as an extended rental agreement. In a finance lease agreement, the lender purchases the required equipment on behalf of your business, and you will pay a fixed monthly amount to rent the asset.

The key difference from traditional loan finance is that you don’t take ownership of the equipment during the lease period, so it is not an asset on your balance sheet.

A finance lease is often ideal for new farmers with little or no upfront deposit since no capital outlay is required. This helps new and smaller businesses to preserve their cash flow and still achieve growth. Farmers and agricultural business owners will also enjoy flexible payment schedules, fixed payments, residual payment options and flexible contract terms.

If you think a finance lease may be suitable for your business, contact the Australian Agri Finance team today to get started.

Need more flexibility in your equipment finance? Consider a finance lease agreement to fund your agricultural machinery purchase.

The best way to look at a finance lease is as an extended rental agreement. In a finance lease agreement, the lender purchases the required equipment on behalf of your business, and you will pay us a fixed monthly amount to rent the asset. When the lease is over, you can opt to take ownership of the equipment by paying the amount

The key difference from traditional loan finance is that you don’t take ownership of the equipment during the lease period, so it is not an asset on your balance sheet.

A finance lease is often ideal for new farmers with little or no upfront deposit since no capital outlay is required. This helps new and smaller businesses to preserve their cash flow and still achieve growth. Farmers and agricultural business owners will also enjoy flexible payment schedules, fixed payments, residual payment options and flexible contract terms.

If you think a finance lease may be suitable for your business, contact the Australian Agri Finance team today to get started

Weighing Up Your Finance Options? We Can Help

AAF Has A Network Of 25 Quality Lenders, Meaning We Can Find You The Right Finance Solutions With A Single Application.

Commercial Hire Purchase

At Australian Agri Finance, we can facilitate a commercial hire purchase to finance your new or used equipment. 

In a commercial hire purchase agreement, your financier will buy the asset on your behalf and then you will hire the equipment from them at an agreed-upon or set price. This means you will have full use of the equipment over the contract term but will not be the owner.

Once you make your final payment or pay the residual fee, the ownership of the equipment will be transferred to you. This commercial hire process is also known as a corporate hire purchase, hire purchases or offer to hire. 


This option requires no capital outlay, so it is ideal for anyone who’d prefer to avoid upfront investment. You’ll benefit from flexible contract terms with tailored repayments to work with your business’s cash flow. You will also enjoy fixed interest rates and tax deductions through this finance process.

If you’re thinking about purchasing equipment for your farm or agricultural business, a commercial hire purchase may be a great financing choice. Get in touch with Australian Agri Finance today to learn more.

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Find Us

South Australian Office

Talk To The AAF Team Today

Get In Touch

Find Us

South Australian Office

Talk To The AAF Team Today