farm machinery finance PROCESS
Check eligibility / online pre-approval
Id check / unconditional approval
Payment options presented / accepted
Documents issued / settlement
LET'S MAKE IT HAPPEN
We offer both mainstream and private funding channels, giving customers access to capital like never before.
Discover how our exceptional service levels surpass our competitors, enabling us to successfully close deals that others cannot.
New & Used Farm Machinery Finance
We fund the following Farm Machinery
Tractors
Sprayer Units
Tillage and seeding Units
Baler Units
Combine Harvesters
Telescopic Handlers
Ready to Get Started on Your Journey?
Check if you can get pre-approval for up to $500k without impacting your credit score. This lets you explore options while keeping your finances secure.
Why Choose Heavy Haulage Finance ?
Online Pre-Approvals
Pre-Approvals up to $125K – quick decisions, no credit score impact.
Real People
Applications assessed by real people not AI.
Secure
Our systems ensure your data is protected at all times.
Experts
Our key business is Truck and Heavy Equipment Finance.
Ongoing Support
We provide support over the full term of your loan agreement.
Trusted
Read the positive reviews by our past and present customers
We Are Here To Support Rural Australia
Our expert team take an empathetic approach when assessing applications relating to Farm Machinery deals for Australian Farmers.
We understand that some times a round peg does not fit in a square hole and that our rural based customers just need to be given a chance.
Fast Pre-Approvals for Your Financial Needs
Our easy-to-use online system gives you a quick decision for amounts up to $500,000 in just seconds, so you can get the funds you need without delays.
Getting pre-approved for a mortgage up to $500,000 won’t affect your credit score, so you can check your financing options without worrying about your credit.
Get In Touch with us
The Heavy Haulage Finance Difference
Deal with your own dedicated Relationship Manager
Flexible policy matrix
Pre-approvals up to $500K (within a few seconds)
Application tracking numbers for easy reference
No Doc up to $500K (no financials)
Low Doc up to $1M (BAS and Tax Portals)
Talk to people that specialise in Farming Equipment Finance
Deal with us from any location within Australia
Farm Machinery Finance - Frequently Asked Questions
Why use Heavy Vehicle Finance for Farm Machinery Finance and not a major bank?
We focus on financing farm machinery, getting funds from regular and private lenders to give customers easier access to money.
We often process applications faster than large banks. Major banks have complicated structures that can delay your approval or settlement as your application passes through many departments.
We specialize in Farm Machinery Finance, which gives us a strong understanding of Equipment Loans and Heavy Machinery. This means we grasp your proposal better than lenders who focus on Home, Commercial Property, Personal, or Car Loans.
Our customers have a dedicated Relationship Manager for direct communication about their application, making it easier to reach the right person at a large financial institution.
Getting pre-approved for up to $500K is quick and easy. You'll receive an unconditional approval within 24-48 hours, and settlements happen the next day thanks to our straightforward documentation.
Our Farm Machinery Equipment Finance policies are more flexible than major banks, resulting in fewer declined applications. We offer No Doc Finance up to $500K and Low Doc options up to $1M.
What will my interest rate be?
Current rates start at 6.55% but may vary depending on the age of the Machine being purchased and the credit score of the applicant
Our business relies on repeat customers and referrals, making it crucial to offer competitive market rates for finance approvals.
How does our online Farm Machinery Finance pre-approval system work?
Our clients complete the form in the APPLY NOW section of our website, and receive a pre-approval within seconds.
No credit checks are done for pre-approvals up to $500K, so your credit score remains unchanged.
If the applicant is successful, they will receive either an email or a phone call detailing the requirements for both unconditional approval and settlement.
How long does the Farm Machinery Finance process take from start to finish?
Pre-approval up to $500K is instant within seconds
Unconditional approval is 24 – 48 hours after we receive the required information (such as a signed privacy form and income verification if required)
Settlement can happen the day after approval if bought from a licensed dealer. Private sales may take longer because of additional paperwork.
What type of Farm Machinery can be financed?
We finance all types of Farm Machinery with endless configurations as long the Asset has identifiers and will be used for business use
What age of Machines can be financed?
Under our No Doc or Low Doc policy, we finance machines up to 20 years old at loan's end. For a 5-year loan, machines must be no older than 15 years at purchase. Otherwise, we can shorten the loan term.
If the Farm Machinery Equipment is older than 20 years at the end of the term, we can evaluate it individually but might need bank statements or financial documents for income verification.
Can I purchase a Machine being sold by a private vendor?
Our clients can purchase machines from a dealer, auction, or private vendor without needing a formal valuation, saving them up to $1,000 on fees.
Dealer and auction sales settle faster. Private sales can take longer because more paperwork is needed from the seller to confirm ownership and properly allocate funds.
What type of Farm Machinery Loans do we offer?
Most of our Farm Machinery Finance options are chattel mortgages, finance leases, or rentals. Each has different tax implications, so clients should consult their accountant for the best choice.
Can I have a structured payment Farm Machinery Loan facility?
You can make a one-time payment within 6 months of taking out the loan. This payment can come from GST on new Equipment or from selling an existing Asset.
Structured payments lower costs for customers and allow them to sell their equipment privately without significant asset value loss during trade-in.
We can be flexible with balloon payments on our loans based on asset age, intended use, and projected hours. Balloons can range from 10% to 40%, depending on client needs and our policy guidelines.
What is a balloon payment and how do they work?
A balloon payment can be applied to a Loan Contract in order to reduce overall monthly payments and effectively maximise cash flow for a business
A balloon payment can only be applied to a Machine that is no older than 5 years old at time of purchase
Balloon payments can range from 10% to 40% based on the Equipment's age or how the Machine will be used.
Options for clients with balloon contracts include using personal funds, refinancing the balloon, or paying it off with dealership trade proceeds.
Does Heavy Vehicle Finance only Finance Farm Machinery?
We finance farming equipment and heavy trucks, provided the assets are identifiable and used for business.
As we only specialise in Farm Machinery Finance we are unable to assist with Loans such as Personal Loans, Home Loans or Recreational Vehicle Loans Let Us Finance The Road To Your Future CHECK ELIGIBILITY CALCULATOR
Heavy Haulage Finance is a trusted and leading finance broker, dedicated to making business funding simple, fast, and stress-free for clients across Australia.
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