If you’ve found the right piece of agricultural machinery at the right time, you already know the hardest part isn’t choosing it — it’s lining up funding fast enough to secure it. Dealers won’t always hold stock. Auctions have fixed settlement windows. And seasonal timing doesn’t wait for a bank credit committee. Contact us today to discuss your options and secure the machinery you need without delay.
What Bridging Finance for Farm Machinery Actually Does
Bridging finance gives you speed and certainty when traditional equipment finance or bank approvals can’t keep up. Instead of waiting weeks, you can secure the machinery and protect your operational schedule.
Common scenarios where it works well:
- You’re purchasing a harvester, tractor, sprayer, or attachments at auction with an urgent settlement deadline
- You need to buy machinery now, but you’re waiting on a property sale, refinance, or business proceeds
- You’re upgrading to reduce downtime before harvest, planting, or contract commitments
- You want to negotiate a sharper price by paying quickly, without liquidating other investments at the wrong time
This isn’t “set and forget” debt. It’s a deliberate, short-term tool to keep your plan moving.
Benefits of Bridging Finance for Agricultural Machinery
When structured properly, bridging finance can give you real leverage, not just cash.
Key benefits include:
- Speed when the deal is time-sensitive, including fast outcomes and in some cases same day settlement
- Clarity around timing, so you can meet an urgent settlement without disrupting operations
- Flexibility in repayment planning, especially if you’re refinancing to a longer-term facility later
- The ability to move on opportunities that are genuinely time-limited, including emergency replacement purchases
- Access to a secured business loan where the structure is built around the timeline, not just the paperwork
The practical upside is simple: you secure the machinery when you need it, then tidy up the longer-term finance once the pressure is off.
How Secured Lending Facilitates Bridging Finance for Farm Machinery
You don’t need a generic product. You need a structure that matches your timeline, your exit, and the settlement requirements of the purchase. That’s what we do.
Secured Lending specialises in short-term, property-secured lending that’s designed for urgent timeframes. We’ve facilitated more than $500m in loans for urgent settlement needs, and we use that experience to keep your process clean and predictable.
1. We Review the Purchase and Your Deadline First
We start with what matters: the settlement date, the purchase method (dealer, auction, private sale), and the consequences of missing the window. From there, we work backwards and confirm what’s realistic.
2. We Structure the Loan Around Your Exit Strategy
Bridging finance only works when the exit is clear. Common exits include:
- Refinance to a longer-term facility once documentation is ready
- Sale of property or another asset event
- Business cash flow event (contract payment, seasonal proceeds), where appropriate and evidenced
We don’t overcomplicate it. We help you choose the cleanest, most defendable exit and align the term accordingly.
3. We Coordinate Valuations, Documents, and Lender Requirements
Speed comes from coordination. Our team arranges the moving parts so you’re not chasing updates across multiple parties. That’s how you get to funding within 24 hours in suitable scenarios, or same day settlement where the file supports it.
4. We Keep the Facility Practical and Transparent
Bridging finance is about control. You should know:
- The term
- The total cost
- The exit plan
- What needs to happen before settlement
We’ll run you through the steps in plain language so you can make a decision quickly, without unpleasant surprises later.
5. We Support Larger Requirements When the Deal Justifies It
Machinery upgrades can be substantial, especially for larger operations and contractor fleets. Depending on your security position and overall scenario, you may be able to borrow up to $10 million. Pricing is case-dependent, but we can discuss options with an interest rate starting at 9.2% p.a where appropriate.
Private Lender Bridging Finance Australia Wide
When timing is tight, a private lender solution can be the difference between securing the machine and watching it go to someone else. Secured Lending is a Private Lender in Australia and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender, which means we can assess scenarios faster and structure for urgency when a traditional lender simply can’t move in time.
If you’re dealing with a private lender urgent situation — an auction deadline, an emergency replacement, or a settlement that cannot slip — we focus on what needs to happen to reach settlement, then we execute.
For more information on commercial bridging finance options, visit our dedicated page.
What a Good Bridging Loan Application Looks Like
To move quickly, you want your story to be simple and provable:
- Clear purchase details and settlement date
- Clear security position
- Clear exit plan and timeline
- A sensible buffer for costs and timing
If you have that, the process becomes much more straightforward — and you reduce the risk of delays when you can least afford them.
How We Can Help
If you need bridging finance for farm machinery, your priority is certainty: knowing you can secure the equipment and meet settlement without derailing everything else you’re managing. Secured Lending helps you structure short-term, property-secured funding for time-sensitive machinery purchases, including urgent settlement scenarios where fast outcomes matter. We’ll review your timeline, confirm a clear exit, and arrange a path to settlement that suits the real-world pace of agricultural decision-making.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
FAQs
1. Can I use bridging finance to buy machinery at auction with a tight deadline?
Yes. Bridging finance is often used for auction purchases where settlement timeframes are fixed and short, and you need certainty.
2. How fast can Secured Lending settle a bridging loan for farm machinery?
In suitable scenarios, we can arrange funding within 24 hours, and in some cases same day settlement, depending on documentation, valuation requirements, and your security position.
3. Is bridging finance only for emergencies?
No. It can be used for emergency replacement machinery, but it’s also a strategic tool when timing creates an opportunity or when your long-term finance is in progress.
4. What security is typically required for secured business loans like this?
These are generally structured as property-secured facilities. The strength of the security position and the clarity of the exit are key.
5. How much can I borrow for an agricultural machinery purchase?
It depends on your overall scenario and security, but in appropriate cases you may be able to borrow up to $10 million.
6. What should I prepare to speed up approval?
Have the purchase details, settlement deadline, your preferred exit strategy, and property/security information ready. Clear, complete information is what enables a faster outcome.
