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Running a productive farm means having the right machinery at the right time. Whether you are expanding your operation, replacing ageing equipment, or investing in new technology to improve your yields, access to reliable farm equipment finance can make all the difference. At Harvest Capital Finance, we work with farmers and primary producers across the Northern Rivers of NSW and into the Southern Gold Coast to secure the funding they need to keep their operations moving forward.
Farm machinery finance covers a wide range of equipment. From tractor finance and harvester finance through to seeder finance, planter finance, and sprayer finance, the types of machinery that farmers rely on are varied and often significant in value. Harvest Capital Finance understands the seasonal nature of farming and works to structure farm equipment loans that suit your cash flow, not just your balance sheet.
We also assist with financing for balers, hay balers, mowers, slashers, rotary hoes, cultivators, and ploughs. If your operation involves grain handling, we can help with finance for grain augers and related equipment. For livestock producers, we work with clients seeking finance for cattle crushes, sheep handling equipment, dairy equipment, milking machinery, feed mixers, and silage equipment. No matter what type of farming equipment your business depends on, Harvest Capital Finance is here to help you find a suitable finance solution.
Many of our clients also need practical on-farm transport, and we regularly assist with finance for farm utes, farm trucks, quad bikes, and side-by-side vehicles. These farm vehicles are essential to day-to-day operations, and financing them through the right structure can offer meaningful tax advantages. Harvest Capital Finance takes the time to understand your full operation before recommending a finance structure, so you can make informed decisions alongside your accountant or financial adviser.
Finance Structures That Work for Your Farm
When it comes to agricultural equipment finance, there is no one-size-fits-all approach. The right structure depends on your business setup, your tax position, and how you plan to use the equipment. Common options include a chattel mortgage, a finance lease, and hire purchase arrangements. Each has different implications for GST claims, depreciation, and tax deductions, so it is important to consider your options carefully with your adviser.
A chattel mortgage is a popular choice for many farming businesses because it allows you to claim the GST on the purchase upfront and may allow you to claim depreciation over time. A balloon payment or residual payment at the end of the loan term can also help reduce your regular repayments, which is useful when cash flow is tied to seasonal income. Harvest Capital Finance will walk you through how each structure works so you understand what you are committing to.
For eligible businesses, the instant asset write-off provisions may also apply to new farm equipment purchases, potentially allowing a significant deduction in the year of purchase. This is a matter for your accountant to confirm, but Harvest Capital Finance can help ensure your finance is structured in a way that supports your tax position.
Whether you are looking to buy new farm equipment or purchase used farm machinery, Harvest Capital Finance has access to a broad panel of lenders who understand the agricultural sector. We work as your farm finance specialist, comparing options across multiple lenders to find a loan that suits your situation. Our clients value the personal, relationship-focused approach we bring to every application, and we are proud to serve the farming communities of the Northern Rivers and Southern Gold Coast.
If you are considering livestock purchase loans alongside your equipment needs, or looking at broader rural finance options, Harvest Capital Finance can assist across multiple areas of your farming business. We also offer asset finance for non-agricultural equipment if your operation extends beyond the farm gate.
Harvest Capital Finance is committed to being on your side throughout the finance process. We take the time to understand your goals, your operation, and your financial position so we can present lenders with a strong application on your behalf. Our clients across the Northern Rivers and Southern Gold Coast trust us to find farm equipment loans that are practical, well-structured, and suited to the realities of farming life.
1. Initial Conversation
We start with a no-obligation chat to get to know you and your business. Whether you call us, send an enquiry, or meet us in person, this is your chance to tell us what you are looking to achieve. There are no silly questions and no pressure.
2. Understanding Your Needs
Once we know a bit about you, we dig deeper into your goals, your current financial position, and any challenges you are facing. This helps us build a clear picture of what kind of finance solution will work best for your situation.
3. Researching Your Options
With access to a wide panel of lenders, we do the legwork for you. We compare products, rates, and terms across multiple lenders to find options that genuinely suit your business needs, not just the first deal that comes along.
4. Presenting Your Options
We present you with clear, easy-to-understand options. We walk you through the pros and cons of each so you can make an informed decision with confidence. No jargon, no confusing fine print.
5. Preparing Your Application
Once you choose the right path forward, we prepare and package your application. We know what lenders are looking for, so we present your application in the best possible light to improve your chances of approval.
6. Managing the Process
We handle the back and forth with the lender on your behalf. We keep you updated every step of the way so you always know where things stand. Our job is to make this as smooth and stress-free as possible for you.
7. Settlement and Beyond
Once your finance is approved and settled, our relationship does not end there. We check in to make sure everything is working as expected and we are always available when your needs change or grow. We are here for the long haul.
Harvest Capital Finance works with farmers and primary producers across the Northern Rivers of NSW and the Southern Gold Coast to find ag equipment loan solutions that suit their operation. Reach out to our team and book a time to discuss your farm equipment finance needs.
Book AppointmentThe timeframe for commercial finance can vary quite a bit depending on the type of finance you are seeking, the complexity of your situation, and the lender involved. Some applications can move through relatively quickly, while others that involve commercial property or more complex structures may take longer. At Harvest Capital Finance, we work to keep things moving as efficiently as possible by making sure your application is well-prepared and complete before it goes to a lender. Delays often happen when information is missing or unclear, so we put a lot of effort into getting things right from the start. We will always give you a realistic expectation of timeframes based on your specific circumstances.
Going directly to your bank means you are only seeing what one lender has to offer. A commercial finance broker like Harvest Capital Finance has access to a panel of lenders, which means we can look across multiple options on your behalf. This saves you time and effort, and it means your application is being presented to lenders who are more likely to suit your needs. Banks also have their own criteria and processes, and if your application does not fit their standard mould, you may be declined without much explanation. A broker understands how different lenders assess applications and can help you put your best foot forward. We are also here to explain things clearly so you always know where you stand.
A commercial finance broker acts as a go-between for businesses and lenders. Rather than you having to approach multiple banks or lenders on your own, a broker does that work for you. At Harvest Capital Finance, we talk to a wide range of lenders on your behalf to find finance options that suit your business needs and circumstances. We handle the paperwork, ask the right questions, and present your application in the strongest possible way. Whether you are looking to purchase equipment, buy a commercial property, or fund business growth, having a broker in your corner means you have someone who understands the lending process and can guide you through it from start to finish.
The information required will depend on the type of finance you are looking for, but generally speaking, lenders will want to understand your business financials, your assets and liabilities, and the purpose of the loan. This might include things like tax returns, business activity statements, bank statements, and details about any property or assets you own. For newer businesses, lenders may also want to see a business plan or cash flow projections. At Harvest Capital Finance, we will walk you through exactly what is needed for your specific situation so you are not left guessing. We will also help you understand why each piece of information is required and how it is used in the assessment process.
Harvest Capital Finance works with business owners, investors, and operators across the Northern Rivers of NSW and into the Southern Gold Coast. This includes people in industries like agriculture, construction, retail, hospitality, professional services, and many more. We understand the local area and the unique challenges that come with running a business in regional and coastal communities. Whether you are a sole trader just getting started or an established business looking to expand, we are here to have a conversation about your situation and explore what finance options might be available to you. We take the time to understand your goals before recommending any course of action.
Harvest Capital Finance can assist with a broad range of commercial finance needs. This includes business loans, commercial property finance, equipment and asset finance, trade finance, debtor finance, and construction finance, among others. Every business is different, and the type of finance that suits one business may not suit another. That is why we take the time to understand your specific situation before exploring what options might be available through our panel of lenders. We do not take a one-size-fits-all approach. Instead, we focus on understanding what you are trying to achieve and then working to find a finance solution that fits your goals and your business circumstances.
Yes, absolutely. The Northern Rivers region has a strong agricultural and rural community, and we understand the unique financial needs that come with running a farming or rural business. Whether you are looking at finance for land, machinery, livestock, or other rural assets, we have experience working with clients in this space. Agricultural finance can be quite different from standard business lending, with seasonal income patterns and land valuations that require lenders who understand the rural sector. At Harvest Capital Finance, we work with lenders who have experience in this area and who understand the realities of running a rural operation. We are proud to support the local farming and agricultural community across our region.
Not necessarily. While your credit history is one of the things lenders will look at, it is not always the only factor they consider. Different lenders have different appetites for risk and different ways of assessing applications. Some lenders may place more weight on the strength of your business, the assets you hold, or the purpose of the finance. At Harvest Capital Finance, we will have an honest conversation with you about your situation, including any credit history concerns, before we approach any lenders. We will not put your application forward if we do not think it is ready, as unnecessary applications can affect your credit file. Our goal is to give you the best possible chance of a positive outcome.
In most cases, commercial finance brokers are paid a commission by the lender when a loan is settled. This means that in many situations, there is no direct cost to you for using our services. However, depending on the complexity of your situation or the type of finance involved, a fee may apply, and we will always be upfront and transparent about this before any work begins. You will never be surprised by unexpected charges. At Harvest Capital Finance, we believe in being straightforward about how we operate and how we are remunerated. We are happy to answer any questions you have about our fees and commissions during your initial conversation with us, so you can feel confident about the process from the very beginning.
The process starts with a conversation. We want to understand your business, your goals, and what you are hoping to achieve with the finance you are seeking. From there, we will look at your financial position and identify which lenders and products might be suitable for your situation. We then prepare and submit your application, liaise with the lender on your behalf, and keep you informed throughout the process. Our role is to take as much of the administrative burden off your plate as possible, so you can focus on running your business. We will also explain any terms or conditions in plain language so you can make an informed decision before committing to anything.