At Stratton Finance, we are your trusted partner when it comes to sourcing finance solutions related to your agribusiness as an Australian farmer. Whether you’re looking for a structure to accommodate seasonal income or support long-term agricultural growth, our brokers are dedicated to finding the solution that best suits your needs.
We understand that investments in machinery, equipment, and infrastructure are essential to farming operations and that’s why we connect you with a single, dedicated broker who understands your broader operational requirements. With access to our panel of 40+ lenders, your broker is committed to securing flexible repayment terms and competitive rates to help you navigate any potential challenges.
Your broker will guide you through available options and work with you to structure your repayment terms to align with seasonal income patterns and business objectives.
Key Benefits
Finance available for machinery, vehicles, equipment and on-farm infrastructure
Repayment structures that can be aligned to seasonal and cyclical income
Terms typically range from 1 to 7 years depending on asset type and age
Options for new or used agricultural assets
Ability to bundle multiple assets into one facility for simplified management
Access to lenders experienced in rural and agricultural lending requirements
Support for sole traders, partnerships, companies and farming entities
Why Choose Stratton for Agribusiness Finance
1. Rural Knowledge and Commercial Understanding
Agribusiness lending requires more than a standard finance approach. Our team of brokers understand seasonal cash flow, asset values in rural markets, and the criteria that lenders assess. At Stratton Finance, we compare options across our extensive panel of lenders that will support your operation year after year.
2. Financial Flexibility for Agricultural Operations
Our panel of 40+ lenders can provide adaptable loan structures to align with income cycles and the ability to finance multiple pieces of equipment or bundle infrastructure projects into a single facility.
3. Ongoing Partnership and Support
We remain your partner throughout your entire journey. Whether you need to upgrade equipment, refinance to improve repayment terms, or explore additional funding as your operation expands, Stratton Finance provides ongoing support to help your agribusiness adapt as it grows and market conditions change.
Am I Eligible?
Eligibility will vary based on your circumstances and lender requirements. The key advantage of choosing Stratton Finance for your agribusiness finance is the access you’ll gain to a wide range of lenders, each offering unique criteria and flexible terms for different asset types and borrower profiles. Your dedicated broker will take the time to understand your situation and work to help secure competitive rates and repayment options to suit your individual needs. Some examples of the criteria that will be assessed are:
Your business status
How long you’ve been operating or holding an ABN
Your credit history – We handle this
Your residency status
Your financial history
Your assets, liabilities, expenses and savings
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Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
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Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Yes, some lenders offer seasonal repayment structures designed for agricultural operations. These arrangements allow larger repayments during harvest or peak periods and reduced repayments during quieter seasons. Your broker will discuss in further detail whether this structure will suit your operation.
Yes, many lenders support finance for quality used agricultural machinery. Lenders assess used assets based on age, condition, hours of operation, brand, and market value. Your broker will help identify which lenders may support the specific used equipment you’re considering.
Yes, low-doc options may be available for operators with strong asset positions or equity but limited financial documentation. These typically require a larger deposit or security position and may have different rate structures. Your broker can assess whether this may suit your circumstances.
Yes, you can often consolidate multiple pieces of machinery, equipment, or infrastructure projects into a single finance facility. This simplifies management with one repayment schedule and may provide cost efficiencies. Your broker will help structure this based on your funding requirement and lender appetite.
Agricultural finance may offer tax benefits such a depreciation deductions, interest expense claims, and potential instant asset write-off provisions. We recommend consulting your accountant for tailored tax advice as specific tax treatment will depend on your business structure and circumstances.
Yes, refinancing may help you secure better rates, restructure repayment terms to suit your cash flow, consolidate multiple facilities, or access equity for new equipment. Your broker will review your existing commitments and assess whether refinancing may benefit your operation.
