Rural finance

Running a farm is as unpredictable as the weather. At Savvy, we understand why you need flexible, accessible finance

Rural finance

Flexible Rural finance for farm finance and loans for machinery, livestock, acreage, and equipment

Farm Finance for All Seasons

There’s perhaps no commercial sector more seasonal than farming. Getting farm finance right means having access to a range of products designed around the ebb and flow of the growing and breeding seasons because that’s what defines cash flow and revenue for farmers. That means being able to pick up the phone and talk to someone who understands your business and its challenges – and Savvy consultants do just that for thousands of farm owners every year. When it comes to rural finance, Savvy partners with relevant Australian farm finance and loan providers to source the most suitable, cost-effective agricultural finance out there.

Farming-Specific Solutions

Here at Savvy, we know our nation’s farmers work extremely hard, often in harsh environments and climates, to keep millions of Australians fed. We also know that living with the changing of the seasons can create challenges, so we try to work almost as hard as you do. That’s why, whatever the weather, no matter the finance required, there’s always a Savvy consultant ready and waiting to help. Whether you need a temporary, seasonal cash flow solution, longer-term agricultural equipment, and vehicle finance, specialist livestock funding, or a loan to carry out improvements to property, we’ve got access to a lender with products that suit.

Why choose Savvy when you need rural finance?

A voice on the phone when you need one, specialist rural finance lenders – that's why farmers choose Savvy.

Calculate, compare rural finance lenders and save

Are you looking for a commercial finance? Savvy offers a complete range of car loan options to suit all needs. Compare and save with Savvy. Savvy has access to all major banks and lenders in the country. We hold accreditation with all the major lenders in the country and have experienced consultants to tackle any requirement.

LenderProduct NameAdvertised RateComparison RateMonthly Repayment
Savvy Secured Agriculture Loan 4.49%
6.60% $559.15
BankWest Business FeeSaver Loan - Res Sec 5.80%
5.80% $577.20
BankSA Business Loan Variable 6.78%
6.78% $590.93
ANZ Business Loan Variable - Res Sec 7.10%
7.10% $595.45
Commonwealth Bank BBL Var Non-Res Sec 7.81%
7.81% $605.57

Your frequently asked questions about farm finance options

Rural lease or farming loan? Low doc ag loans, bad credit farm finance, and seasonal repayments. Check the FAQs

Can I get a low doc farm loan?
You can! At Savvy, we understand farming doesn’t always play by the rules. Several great seasons can get followed by a few less-profitable ones, and specialist farming finance lenders know that too. If your recent records don’t accurately reflect your immediate prospects, no worries. A Savvy farm finance consultant can discuss your situation and advise on a way forward.
Which is best, a farm equipment lease or a farm loan?
The answer to that question depends on your situation, aims, and to an extent, your finances. For some businesses, a farm finance lease is an ideal solution for buying equipment and vehicles. In the case of others, a chattel mortgage for purchasing a tractor might be the best option. Each finance option has its own unique set of advantages, and getting the right advice is the best way forward. Because of each finance option’s different tax and accounting implications, Savvy recommends you talk to your accountant in addition to a broker to get the best understanding of which product will be most beneficial for your specific business.
I've had credit problems in the past. Can I still access rural finance?
Savvy deals with a range of lenders who’ll consider applications for bad credit rural finance. Interest rates are generally less favourable with a bad credit farm loan, but not prohibitive. The fees and rates you pay will depend on a range of factors, such as the purpose of your borrowing, your current financial situation, and how long you’ve been in business.
My farm business is very seasonal. Are there payment options to suit?
Specialist rural finance lenders often offer favourable repayment options based on the nature of your borrowing. For instance, if you’re funding livestock, repayments get structured around the buying and selling or breeding cycles. With arable farming, repayment terms might be tailored to the sowing, growing, and harvest seasons.
Who owns the animals with a livestock loan?
Usually, the lender will own the livestock, but you’ll be responsible for buying and husbandry. You can tailor loan terms to match the breeding cycle of cattle or sheep, and when they get sold, the lender settles up less the purchase cost and any interest charges – then your business pockets the difference.
Can farms borrow for equipment other than vehicles and machinery?
Farms can access loans for the vehicles and machinery they need to run operations, but they’re also free to use funds to buy a range of other assets. That could be computer equipment, food processing plant, or even improvements to fencing or cattle grids.
My borrowing needs aren't straightforward. Can I talk to a real person?
You can! At Savvy, we believe the best way to find the best finance option for your particular farm is to find out about its unique challenges and attributes. Every business is different, and each can benefit from a tailored lending solution. Our brokers are available whenever you’d like to discuss all your finance options, and we help thousands of Aussie farmers every year.
Why use a broker to find farm finance?
Like most other sectors, farming has its own set of specific financial headaches. That’s why it’s essential to stick with lenders who understand how you need to borrow and when flexible repayment options are necessary. Savvy’s commercial finance brokers are experts at matching borrowers with lenders, saving you money, and reducing the time it takes to access funds.

Your handy Savvy guide to rural finance options

Finding the right product for your purpose is the key to discovering cost-effective farming finance

Livestock Finance Solutions

Livestock loans are designed to make sure the ups and downs of seasonal cash flow don't impact your herds' wellbeing or quality. This type of lending gets secured against your stock, so the rates are favourable. You're free to use funds to maintain herds, add to numbers, and even pay for veterinary costs and feed. Livestock finance is a great way to ensure that come Spring, your cattle and sheep make it to market in tiptop condition and attract the best prices per head.

Farm Equipment Finance

At Savvy, we deal with reputable lenders that offer a wide choice of vehicle, machinery, and plant finance options for farming and agribusinesses. Depending on the nature of your business and needs, you can opt to lease or loan a variety of farming equipment. From utes and trailers to heavy trucks and harvesters, choose from chattel mortgage vehicle finance if you want to own equipment in the longer term or an operating lease if you need to upgrade machinery frequently.


Short-term Farm Finance

Cash flow is the lifeblood of any business, and farming is no different. In fact, the seasonal nature of agriculture demands more flexible shorter term financing options than many other businesses. Whether you need to access invoice lending or to take out a shorter-term loan, Savvy's rural finance partners offer a selection of products with farm finance in mind.

Acreage Loans and Hobby Farm Finance

When you need to expand, a Savvy rural finance consultant can help you figure out your situation and which lenders suit your plans. Specialist acreage loan providers generally offer commercial products with more scope than home loans for rural finance and land purchases. Whether that's a sizeable cattle farming concern down in Victoria or a profit-making country retreat up in Queensland, Savvy partners with home-grown rural loan providers to suit.

Brands you can trust

We are accredited with the most reputable lenders and insurers in Australia giving you a fair choice to compare