Lending that repays when the crop does.
Operating lines for the growing season, finance for machinery and livestock, and long-term farmland lending — structured around harvest, not a calendar month.
- Repayments timed to harvest or livestock sales
- Terms to 25 years on farmland
- Advisors who have financed Midwest farms since 1989
1989
Lending to farms since
$3M
Maximum facility
25 yrs
Farmland terms to
Annual
Repayment option
Finance for every part of the operation
Row crop, livestock, dairy or mixed — the structure changes, the approach doesn't.
Operating lines
Draw for seed, fertiliser, fuel and labour through the season, then clear the balance after harvest. Interest only on what you've drawn.
Machinery and equipment
Tractors, combines, irrigation and grain handling financed over the working life of the kit, secured on the machine itself.
Farmland and buildings
Purchase land, buy out a family share or fund new sheds and storage, with terms stretching to 25 years.
Livestock finance
Fund breeding stock or feeder cattle with repayment scheduled around your sale dates rather than a fixed monthly cycle.
Annual and seasonal terms
Pay annually after harvest, twice a year, or monthly — whichever matches the way money actually comes into the farm.
A bad year, handled early
Drought, disease or a collapsed price: call us before the payment date. Restructuring early is nearly always the cheaper path.
Indicative terms
Final pricing follows a farm visit and a credit review.
Operating line
$25,000 – $500,000
7.9%
variable, from
- Drawn through the growing season
- Cleared after harvest
- Interest only on the drawn balance
- Reviewed each year
Machinery & livestock
$20,000 – $1M
6.9%
fixed, from
- 2 to 8 year terms
- Secured on the asset
- Annual or seasonal repayment
- Fixed rate for the full term
- Named agricultural lender
Farmland
$100,000 – $3M
6.2%
from
- Terms up to 25 years
- Purchase, refinance or family buy-out
- Interest-only periods considered
- Fixed or variable rate
All agricultural lending is subject to status, affordability and a credit assessment, and is normally secured on land, stock or machinery. Rates shown are indicative starting points — final terms follow a farm visit and review of your accounts.
We come out to the farm
Yield history, soil type, stocking rates and machinery condition tell us more than a credit score does. So an agricultural lender visits before we make a decision.
A lender who knows the sector
Not a generalist working from a template — someone who understands your enterprise mix.
Assessed on the whole operation
Land, stock, machinery and contracts all count towards what we can support.
Succession planning
Passing the farm on takes years. We'll structure lending that survives the handover.
Money that follows the growing year
Costs land in spring and revenue arrives after harvest. A facility that ignores that gap costs you more than it needs to.
Draw when you plant
Seed, fertiliser, fuel and contract labour funded when the bills actually arrive.
Repay when you sell
Clear the line after harvest or after your sale dates, in one payment if that suits.
Carry-over considered
If a season goes against you, we'll look at carrying a balance rather than forcing a sale.
How to get started
Call an ag lender
Tell us the enterprise, the acreage and what you're funding. We'll say straight away whether it's something we can do.
Farm visit
A lender walks the operation with you and reviews your accounts, yields and existing borrowing.
Terms and drawdown
You get a written structure with the repayment timing set out. Once security is registered, funds are released.
Common questions
Do you lend to tenant farmers?
Yes. Operating lines, machinery and livestock finance are all available without owning the land — security is taken over stock or equipment instead.
Can repayments wait until after harvest?
Yes, that's the normal structure for an operating line. Machinery and land lending can also be set to annual or twice-yearly repayment.
What if the season goes badly?
Contact your lender before the payment falls due. We can often carry a balance or reschedule — but only if we hear early.
Do you finance diversification?
Yes — farm shops, storage let to third parties, renewables and agri-tourism are all things we've funded, assessed on the projected income.
Is there a minimum acreage?
No. We assess the whole operation. Small intensive units and large row-crop farms are both well within what we lend against.
Talk to an agricultural lender
Tell us about the operation and what the season needs. We'll come out and see it.