Farm income arrives in lumps, often once a season, while machinery, labour and inputs are paid for all year. This guide covers how finance works for farm equipment and for the cash flow and property around it, with links to each detailed guide.
loan-o is a Brisbane finance broker based in Milton. We arrange farm equipment finance and business loans for primary producers across Queensland, including the Darling Downs and Toowoomba region, comparing options from a panel of 50+ bank and non-bank lenders. This guide is general information, so check the tax side and the details of any offer with your accountant.
1. Machinery and equipment
- Farm equipment finance in Queensland Tractors, headers and implements, used machinery and seasonal repayments.
- Plant and machinery finance What counts as plant and how lenders assess it.
- Financing a used vehicle or equipment
- What documents do you need to finance a truck or work ute?
2. Choose the structure
- Equipment finance guide for Australian businesses The full overview of structures, assets and costs.
- How does a chattel mortgage work?
- Chattel mortgage vs lease
- What is a balloon or residual payment?
- Instant asset write-off and equipment finance Check the current rules with your accountant.
3. Seasonal cash flow
Some lenders offer seasonal or harvest-aligned repayments for primary producers, so larger payments fall when income comes in. Availability depends on the lender and the facility.
4. Rural property and capital
5. Finance for your situation
6. Local and next steps
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Finance is subject to lender approval, lending criteria, terms, conditions, fees and charges. The information in this article is general and does not take into account your personal or business needs. It should not be treated as personal financial, tax, legal or credit advice.
Last reviewed: 22 October 2026. This content provides general information only. It should not be treated as personal financial, tax, legal or credit advice.
Frequently asked questions.
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Some lenders offer seasonal or irregular repayment structures for primary producers, so larger payments fall when income comes in rather than every month of the year. Availability and terms depend on the lender and the facility, so ask early.
Yes, many lenders finance used machinery. Expect checks on age, condition and ownership, and for private sales, an inspection and a PPSR search.
A chattel mortgage gives you ownership from day one and is a common choice for assets you expect to keep. Whether it suits you depends on the asset, how long you will keep it, your cash flow and your tax position, so check the tax side with your accountant.
Typically the asset, your trading history, income across seasons, existing debts and security. Because income can vary year to year, lenders often want to see several years of figures. A broker can match you to lenders that understand primary production.
Yes. loan-o is a broker, not a lender, and works with producers across Queensland, comparing options from a panel of 50+ bank and non-bank lenders. Starting a conversation is an enquiry and does not involve a credit check.
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