Tractors, headers, spray rigs, seeding and tillage equipment, balers, chaser bins and irrigation infrastructure, financed across the ACT and regional NSW — from a single machine to a full replacement programme. Illustrative and deal-dependent, subject to lender assessment.
Lenders price the resale market as well as your business. On anything with an engine, hours drive value, not build year, and a narrow buyer pool tends to pull the term in.
Value tracks the hour meter — engine hours, horsepower, transmission and brand, not build year. A three-year-old contracting tractor can carry more hours than a ten-year-old grazing machine. Resale is deep and national, so the file usually places without a fight.
The largest single purchase most cropping operations make. Separator and engine hours are read separately, and the front is valued on its own. Resale is deep but seasonal, so the timing of the sale matters.
Value sits in hours, boom width and controller and guidance generation — technology, not wear. Buyers are spec-sensitive, and we expect a tighter term.
Bar width, hectares sown, and tyne, disc and boot wear drive value. Resale runs regional, and soil type and row spacing narrow the buyers.
Value tracks bale count and knotter or net-wrap condition, with downtime concentrated in a narrow window. Steady, contractor-driven demand.
Low value — capacity, auger and chassis, with a long working life and shallow but stable resale. A standalone contract may not reach the funder's minimum, so fund one inside a harvest package.
Value sits in span, pump condition, controls and water access, with thin resale. Once installed, a pivot can be treated as fixed to the property rather than a chattel — that changes the security and the lender, so settle the point before the order goes in.
The read on how each file tends to run is George's view from the machinery files we place — not a funder's position and not market data. Illustrative and deal-dependent, subject to lender assessment.
Farm income arrives in lumps. Grain sells after harvest, wool after the clip, cattle at turn-off. A flat monthly repayment across a season with no income manufactures a cashflow problem the machine never caused.
One payment a year, timed to when grain or stock money lands. Fits broadacre cropping with a single income event.
Larger payments in income months, smaller or nil in others. Fits an operation with two or three income windows.
First repayment set months after settlement. Fits a machine bought before the season it earns in.
Principal deferred to a residual at end of term. Fits where trade value will exceed the residual.
All illustrative and deal-dependent, subject to lender assessment. Availability varies by funder and by asset class, so raise the profile you need before the deal is submitted.
A deferred first payment is not free. Ask whether interest accrues during the deferral period — where it does, you are moving cost, not removing it.
Annual repayments concentrate risk. One payment a year means one date where a poor season or a low price has nowhere to hide, and the profile is assessed more closely than a monthly one.
Time the purchase against the season, not the tax year. A header bought in June to land inside a financial year sits idle for months; one bought to work at harvest earns immediately.
Across the machinery files George has placed, the chattel mortgage does most of the work — that is our own deal experience rather than market data. You own the machine from the start, and business.gov.au notes the balloon reduces regular payments over the term.
The machine is the same. The paperwork is not, and paperwork is what moves a lender.
Tax invoice, GST-registered seller, a clean title trail, trade-in netted off. The simplest file to place.
You are signing for a machine not yet built or delivered. Deposit terms, build slots and price validity sit outside the finance approval, so get conditional approval before you commit.
Settlement deadlines are short and do not move. Have approval in place before you bid, with the lot and your maximum already lodged. Ask what inspection the funder wants on the lot, because there is no time to arrange one after the hammer falls. The same discipline applies to a prime mover or an excavator bought at auction, which is why our truck and plant pages point back here.
Common, and financeable. On the private-sale files we place, expect an inspection, seller verification, and funds paid direct to the seller.
The PPSR matters more here than almost anywhere. The Personal Property Securities Register is the national register of security interests in personal property (source: ppsr.gov.au). Search against the seller's ABN as grantor before you pay a deposit.
That is the search that matters on a machine sold farm to farm, because the interest is registered against the business that borrowed, not against the paddock it is sitting in. Machinery moves between properties, and it is often sold privately or at a clearing sale by a seller who still owes money on it. A registered security interest does not disappear because you paid cash.
Used machinery is normal here, not a downgrade. What changes is the term: lenders assess age and hours at the end of it, not the start.
Across the ACT, the Capital Region and regional NSW: the Riverina, the Monaro, the Yass Valley, Goulburn, Young, Harden, Boorowa, Cooma and the Bega Valley.
Income lands at a different point in the year in each — broadacre and irrigated cropping in the Riverina, grazing through the Monaro, mixed farming across Yass Valley, Boorowa and Harden, dairy in the Bega Valley. A repayment profile is not a template. George Popadalis runs every file personally, with 20+ years across banking & finance behind it.
A share farmer with fourteen months on his own ABN and twenty years in the seat is a normal file here. So are new contract harvesting businesses and family members who have just stepped out on their own.
A shorter trading history isn't an automatic no. Some funders will consider a business under two years old where there's strong asset security, an established director track record, or contracted forward income — assessed case by case, and never guaranteed. If it's not a fit, we'll tell you early.
Bring us the machine and the season you are buying it for, and we will tell you what the panel will look at.
Very little of it. A header or a new tractor sits well past the $20,000 instant asset write-off threshold, which puts it in the small business simplified depreciation pool rather than a full deduction.
Where the threshold stands in law this year is the part that matters, and our instant asset write-off article sets out the position. Treatment is your accountant's call rather than ours, and the ATO sets out the rules at ato.gov.au.
Usually when you stop buying machines one at a time.
Buying the neighbouring block, or adding sheds, silos and grain storage, is commercial and rural property finance. Machinery approvals and a property purchase inside the same twelve months compete for one balance sheet, so plan them together.
A run of purchases across three or four seasons is a capital expenditure programme, not unrelated loans. Sequencing it protects capacity for the purchase that matters most. The gap between funding a season and being paid for it is a working capital conversation.
We handle all of it, alongside equipment finance and truck finance for the farm truck fleet.
Sometimes. Annual and seasonal profiles exist on parts of the panel. They are assessed more closely than a standard monthly deal. Illustrative and deal-dependent, subject to lender assessment.
Yes, and you should. Auction settlement terms are short and do not move. Bring us the lot details and your maximum before sale day.
Search the PPSR before you pay anything. A registered security interest survives the sale, so it becomes your problem.
Not automatically, but the term will shorten. Lenders assess hours and age at the end of the term, not the day you buy. Send through the hour meter reading and the build year, and we will come back on the term the panel will consider.
A shorter trading history isn't an automatic no. Some funders will consider a business under two years old where there's strong asset security, an established director track record, or contracted forward income — assessed case by case, and never guaranteed. Bring the machine details, your booked work and your ABN, and if it's not a fit, we'll tell you early.
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