Agriculture
Tractors, harvesters, sprayers, and specialty farm equipment. Seasonal-income structures built around how farming cash flow actually runs.
Agriculture finance, plain English.
TMF arranges agriculture equipment finance for Australian operators — covering tractors, headers and harvesters, self-propelled sprayers, seeders and tillage and related assets — from $30K to $5M+ through a panel of 40+ lenders. Seasonal and lumpy income is standard in agriculture. Deferred-start, seasonal, and stepped repayments are widely accepted by rural lenders. TMF structures around actual cash flow, not calendar months.
Who, what, when.
Who we work with
Mid to large farm operators replacing or expanding plant, and contract harvesters servicing multiple farms.
What gets financed
- ●Tractors
- ●Headers and harvesters
- ●Self-propelled sprayers
- ●Seeders and tillage
- ●Contract farming equipment
When operators call
- ●Seasonal replacement before next planting or harvest
- ●Expansion onto new land or new contract farming work
- ●Upgrade for productivity (GPS, precision, autosteer)
- ●Break-down mid-season requiring urgent replacement
How the deal usually works.
Seasonal and lumpy income is standard in agriculture. Deferred-start, seasonal, and stepped repayments are widely accepted by rural lenders. TMF structures around actual cash flow, not calendar months.
Tell us what you’re hauling, building, or moving — we’ll match the structure to it.Talk to TMF →
Work that needs your equipment.
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Let’s structure your next agriculture deal.
Agriculture finance questions.
What equipment finance does TMF arrange for agriculture operators?+
TMF arranges finance across the assets agriculture operators typically run — tractors, headers and harvesters, self-propelled sprayers, seeders and tillage, contract farming equipment — from $30K to $5M+, through our panel of 40+ Australian lenders.
How is agriculture finance structured?+
Seasonal and lumpy income is standard in agriculture. Deferred-start, seasonal, and stepped repayments are widely accepted by rural lenders. TMF structures around actual cash flow, not calendar months.
When do agriculture operators typically need finance?+
Common triggers in this industry include: seasonal replacement before next planting or harvest; expansion onto new land or new contract farming work; upgrade for productivity (gps, precision, autosteer); break-down mid-season requiring urgent replacement.
How fast can approval happen?+
Straightforward deals under $100K can receive conditional approval inside 24 hours via the Fast segment pathway. Larger or contract-aligned structures typically take 2–5 business days.