If you’re running a farm, you know that timing and reliability are everything. Whether you’re upgrading a tractor, adding a new harvester, or replacing essential equipment, having the right machinery at the right moment can make all the difference to your productivity and bottom line. But farm machinery isn’t cheap, and sometimes, the need for new equipment doesn’t line up neatly with your cash flow. That’s where a secured loan for farm machinery comes in—a practical, flexible way to access the funds you need, when you need them. Assess your scenario today.
Why Choose a Secured Loan for Farm Machinery?
A secured loan is a straightforward lending solution where you use your residential or commercial property as collateral. This security gives lenders confidence, which means you can often access larger amounts, better rates, and more flexible terms than with unsecured loans. For farm machinery, this approach offers several clear benefits:
- Fast access to funds: When you need to act quickly—whether it’s a limited-time deal on a combine harvester or an urgent replacement for a broken-down tractor—a secured loan can deliver funding within 24 hours. With Secured Lending, same day settlement is possible for urgent settlement needs.
- Competitive rates: Because the loan is secured against property, you’re likely to benefit from lower interest rates compared to unsecured options.
- Flexible use: You can use the funds for any type of farm machinery—tractors, harvesters, sprayers, or even a fleet of equipment.
- Preserve working capital: Rather than tying up your cash reserves, a secured loan lets you spread the cost of machinery over time, keeping your business liquid and agile.
- Tailored terms: Secured business loans can be structured to suit your cash flow, with options for interest-only payments or flexible repayment schedules.
How Does a Secured Loan for Farm Machinery Work?
The process is simple and direct. You review your needs—perhaps you’re looking to purchase a new baler before the next harvest, or you need to upgrade your irrigation system. You then use your residential or commercial property as security for the loan. This could be your home, a farm property, or another commercial asset. We don’t accept obscure assets as collateral, so the process remains clear and straightforward.
Once your application is reviewed and approved, funds can be released quickly—often within 24 hours. This speed is crucial when you’re facing a time-sensitive purchase or an urgent settlement deadline.
Bridging Loans: Covering the Gap
Sometimes, you need to secure new machinery before you’ve sold old equipment or before a grant or payment comes through. In these cases, a business bridging loan can be the answer. Bridging loans are short-term, secured business loans designed to “bridge” the gap between two financial events.
For example, if you’ve found the perfect deal on a new tractor but are waiting for the sale of your old one to settle, a bridging loan can provide the funds you need now. Once your old equipment sells, you repay the loan. This approach keeps your operations running smoothly, without missing out on opportunities or risking downtime.
Why Work with a Private Lender?
Traditional banks can be slow, rigid, and often don’t understand the realities of running a farm. As a Private Lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and we’re a non-bank commercial lender. That means we can move faster, offer more flexible solutions, and focus on your needs rather than ticking boxes.
With Secured Lending, you’re not just a number. We review your scenario, structure the loan to fit your timeline, and coordinate everything for a smooth, stress-free process. Whether you need a second mortgage, a bridging loan, or a straightforward secured business loans, we’re here to help you move quickly and confidently.
The Benefits of Fast, Flexible Funding
Farm machinery is a significant investment, but it’s also essential to your business. Delays in funding can mean missed harvests, lost contracts, or costly downtime. With Secured Lending, you get:
- Fast approvals and same day settlement for urgent settlement needs
- Funding within 24 hours for time-sensitive purchases
- Options for second mortgage or bridging loans if you need to leverage existing property
- Clear, direct communication and support from a team that understands your business
We’ve facilitated over $500 million in loans for urgent settlement needs, including farm machinery purchases. Our experience means we know how to remove friction, reduce stress, and help you move forward—without unnecessary delays or red tape.
How We Can Help
Secured Lending is here to help you secure the farm machinery your business needs, without the usual headaches. We’ve provided strategic lending advice for farm machinery purchases in the past, and we can help assess your scenario—whether you’re upgrading, expanding, or replacing essential equipment.
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 such as bridging finance, second mortgages, and caveat loans.
Frequently Asked Questions
1. What types of property can I use as security for a farm machinery loan?
You can use residential or commercial property as collateral. We don’t accept other types of assets, such as vehicles or equipment, as security.
2. How quickly can I access funds for farm machinery?
With Secured Lending, you can often receive funding within 24 hours, and same day settlement is possible for urgent settlement needs.
3. Can I use a secured loan to purchase multiple pieces of farm machinery at once?
Yes, you can use the funds for a single piece of equipment or a fleet, depending on your needs and the value of your security.
4. What if I need a short-term loan while waiting for another transaction to settle?
A bridging loan can provide short-term funding to cover the gap between buying new machinery and selling old equipment or waiting for other funds to clear.
5. Do you operate outside major cities?
Yes, as a private lender in Australia, we operate Australia wide—including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
