Agrilending Solutions

At Rural Bank, we understand and appreciate the financial requirements of agribusiness and we will work with you to develop a tailored solution.

Loan Purpose	Rural Loan Solution
Need to buy cropping supplies now (e.g. weed spray or fertiliser) and pay it off after harvest? Are you a livestock producer looking to purchase vet supplies that you can pay for with your next sale proceeds?	For finance requirements usually between $20,000 and $150,000 at any time, a Rural Bank Seasonal Account with Overdraft is likely to be ideal. For larger amounts, consider the flexibility of Rural Bank AgriManager®. Seasonal Account and AgriManager® provide an ongoing finance limit that allows access to funds when required. Both are designed to help finance essential farm inputs with repayments tailored around your income pattern. Your finance limit is reviewed annually to ensure it still suits your needs.
Increasing your livestock numbers in the short or longer term over the next few years?	StockBuilder is designed to provide finance (minimum loan $50,000) to help build livestock numbers over a 3 year term. Fixed and variable interest rate options, including interest only for the first 12 months. Drawdowns can be scheduled to occur upon livestock purchases (meaning you aren’t paying interest before you make purchases) and repayments are scheduled in line with your 3 year livestock trading schedule. For finance to build livestock over a shorter term consider the Seasonal Overdraft For ongoing finance, also consider Seasonal or AgriManager® credit facilities.
Buying a neighbouring property or looking to increase on-farm storage or production facilities?	A Rural Bank Term Loan is the most suitable finance option for land and property purchases. Suitable for capital improvements, restructure of existing finance, property purchases, off-farm business investments. Terms up to 15 years. Choose from fixed and variable interest rates, as well as interest only options.
Prefer to consolidate all your agribusiness finances into one loan, making your banking simpler and more cost effective?	A Rural Bank Term Loan, with either a variable or fixed rate, can consolidate all these finance arrangements into one loan with one repayment schedule. The term (up to 15 years) and repayments can be tailored to suit your farm cash flows.
Are you looking to purchase, upgrade or replace your farm or business equipment ?	Rural Bank’s range of equipment finance products include Finance Lease, Asset Finance and Equipment Loans are the most suitable finance option to purchase or upgrade your farming or business equipment, while preserving your working capital (minimum facility $20,000). Rentals / repayments are fixed for the facility term and can be tailored to suit your cash flow. Choice of terms from 2 to 5 years.