Asset Financing
Better Equipment - Less Swearing in the Field
Growing a successful farming business often requires investment in new equipment and infrastructure. Whether you need a new tractor, irrigation system, storage facility or precision farming technology, agriculture asset financing allows you to acquire essential assets without putting pressure on your cash flow.
Key Facts
6-24 months term
Funding for Real Estate or machinery acquisition with the assets as collateral
Acquired assets as collateral
Facility of up to 60% of collateral value
What Is Asset Financing?
Asset financing is a medium-to-long term lending solution that enables farmers to purchase or upgrade fixed assets. Instead of paying the full cost upfront, the asset is paid off over time through affordable instalments.
Examples of assets that can be financed include:
Tractors and harvesters
Irrigation and pivot systems
Planting and spraying equipment
Cold rooms, silos and storage units
Livestock handling equipment
Renewable energy systems (e.g. solar for pumping)
Why Asset Financing Is Important for Farmers
Agricultural assets are often expensive but play a critical role in improving productivity and efficiency. Asset finance helps farmers to:
Modernise operations without depleting working capital
Scale production to meet growing demand
Improve yields through precision and mechanisation
Replace outdated or unreliable machinery
Spread the cost of high-value items over time
By aligning repayment schedules with seasonal income, asset financing provides a sustainable way to invest in long-term growth.
How It Works
We structure repayment plans around the useful life of the asset and your farm’s cash flow cycle. Key features include:
Flexible Terms - repayment aligned to income cycles (monthly, quarterly or seasonal)
Competitive Rates - pricing tailored to the type of asset and risk profile
Quick Turnaround - streamlined approval processes for eligible farmers
Vendor Partnerships - payments made directly to approved equipment suppliers
Our team works with you to ensure that the financing solution supports your specific operational goals.
Who Can Apply?
Agriculture asset financing is available to:
Small to large-scale farmers
Horticulture, livestock and crop producers
Agribusinesses and co-operatives
Contract growers and emerging farmers
Whether you’re upgrading machinery or mechanising for the first time, we help you invest in assets that improve long-term productivity.
Benefits of Working With Us
Agri-specific expertise - our solutions are designed for farming operations
Asset-aligned terms - repayment structured to match asset lifespan and usage
Improved efficiency - modern equipment to reduce costs and increase output
Dedicated support - guidance from our agriculture finance specialists