Private Lending Solutions for Agriculture
Finance that works to the season, not the bank calendar
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund farmers, graziers, growers and rural operators against the property they already own, and we do it in days rather than months. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage over rural or residential property. This is business purpose lending, and we lend our own funds, which is why a complete enquiry gets a decision in hours.
Who We Help
- Grain, cropping and mixed-farming operations carrying costs well ahead of the harvest cheque
- Livestock and grazing enterprises restocking, or holding stock for a better market
- Horticulture, viticulture and orchard growers whose income lands with the pick or the vintage
- Rural operators buying neighbouring land or a machinery upgrade against a hard deadline
- Family farms funding a succession or buying out a sibling
- Agribusinesses carrying an ATO debt that is compounding while the season plays out
- Land-rich borrowers who have been declined by a bank on servicing, despite holding real equity
How We Can Help You
- We assess the land and the exit, so a lumpy or seasonal income line is not the thing that kills the deal
- Our own valuers assess rural security directly, including holdings a desktop model cannot price
- We hold our own funds and our own credit authority, so a decision takes hours and settlement can happen within 24 hours
- We take a first or second mortgage, so an existing facility does not need to be disturbed to release capital
- Terms run from 1 to 24 months, and most borrowers are with us for 3 to 6 while the exit completes
- Rates start from 9.7% p.a., interest only for the term
Agriculture Finance Scenarios We Fund
Agricultural lending is not one product. A grower bridging to a vintage needs a different structure to a family buying out a sibling. Below are the scenarios we are asked for most often.
Grain and cropping
Your costs land months before your income does. Seed, fertiliser, fuel and contractors all fall due through the season, and the cheque arrives at harvest.
The crop goes in the ground on time, at the rate you planned to sow at, and the people you owe are paid when they fall due rather than when the grain is finally sold. The facility is sized to carry you to that sale, so it is short by design and the repayment is already funded.
- The crop goes in on time, at the sowing rate you planned for
- Seed, fertiliser, fuel and contractors paid as they fall due
- No P and L or tax return required for an asset-based assessment
- A poor season in the accounts does not decide the answer
- A second mortgage leaves the existing farm loan in place
- Exit is the harvest proceeds or a forward contract
Your costs land months before your income does. Seed, fertiliser, fuel and contractors all fall due through the season, and the cheque arrives at harvest.
The crop goes in the ground on time, at the rate you planned to sow at, and the people you owe are paid when they fall due rather than when the grain is finally sold. The facility is sized to carry you to that sale, so it is short by design and the repayment is already funded.
- The crop goes in on time, at the sowing rate you planned for
- Seed, fertiliser, fuel and contractors paid as they fall due
- No P and L or tax return required for an asset-based assessment
- A poor season in the accounts does not decide the answer
- A second mortgage leaves the existing farm loan in place
- Exit is the harvest proceeds or a forward contract
Our Loan Products
- First mortgage: the cleanest position, used where the property is unencumbered or an existing facility is being refinanced in full
- Second mortgage: sits behind an existing first, so a bank facility and a fixed rate do not have to be broken to release equity
- Bridging loans: covers the gap between a purchase and a sale, or between a cost and the income that repays it
- Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent and short repayment windows
Related Reading
- →Private lending for agriculture and rural finance
- →Private lender for a rural property purchase
- →Bridging finance for farm machinery
- →Secured loan for farm machinery
"A lot of the income in agriculture arrives with a harvest or a contract milestone rather than in twelve even monthly instalments. A bank serviceability model reads that as volatility. We read it as timing. That difference is what lets a grower get the crop in the ground on schedule, instead of waiting on a decision that lands after the window has closed."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
