Most lenders require proof of business activity such as an ABN, photo ID, recent bank statements, and a supplier invoice or quote. Low doc loans may allow you to skip some documentation, depending on your profile.

While a lower credit score may affect your interest rate, it doesn’t disqualify you. We compare lenders willing to work with your situation, helping you get funded even when banks say no.

While some lenders prefer a deposit, it’s not always required. If your business has strong cash flow or trading history, you may be eligible for full finance with no upfront payment.

Many lenders offer balloon or residual payment structures for farm equipment finance. This helps reduce monthly repayments and improve cash flow but may result in a larger final payment. We’ll help you assess if it’s right for your business.

Used farm equipment and  machinery can be financed, provided it meets lender age and condition requirements. We work with lenders who accept second-hand assets, including those purchased from private sellers.

While direct rebates are limited, government programs like the Instant Asset Write-Off or agri-specific grants may reduce your equipment costs. We recommend speaking ro your accountant to help you navigate available options and eligibility.