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Farm finance solutions

Don't know where to start? Solutions for when you have specific financial requirements.

Need to buy cropping supplies now (e.g. weed spray or fertiliser) and pay it off after harvest?

  • For finance requirements usually between $20,000 and $150,000 at any time, a Rural Bank Seasonal Overdraft is likely to be ideal.
  • For larger amounts, take a look at Rural Bank AgriManager®


Increasing your livestock numbers?

  • Fixed and variable interest rate options, including interest only for the first 12 months. 
  • Drawdowns can be scheduled to coincide with livestock purchases (meaning you aren’t paying interest before you make purchases) and repayments are scheduled in line with your three-year livestock trading schedule.
  • For finance to build or trade livestock over a shorter term, take a look at our Seasonal Overdraft.
  • For ongoing access to finance, take a look at AgriManager®.

Are you looking to purchase, upgrade or replace your farm or business equipment?

  • Because the outlay can be significant, Rural Bank offers three Equipment Finance options to help you buy, upgrade or replace: Finance Lease, Asset Finance and Equipment Loan.
  • All of these options mean easier cash management. No large capital outlay up front means no drain on working capital. Repayments or instalments can be fixed, or can be tailored to suit your cash flow
  • Choice of terms from 1 to 5 years. Minimum loan is $20,000.

Buying a neighbouring property or looking to increase on-farm storage or production facilities?

  • A Rural Bank Term Loan is a great option for land and property purchases. It’s also suitable for capital improvements, restructuring your existing finance, and making off-farm business investments.
  • Terms up to 15 years. Choose from fixed and variable interest rates, as well as interest only options.

Like to consolidate all your agribusiness finances into one loan, making your banking simpler and more cost effective?

  • If you have other loans or finance arrangements, consider bringing them all into one Rural Bank Term Loan. One loan is easier to manage, and it may well save you money in interest payments.
  • The term (up to 15 years) and repayments can be tailored to suit your farm cash flow.

Are you a livestock producer looking to purchase vet supplies that you can pay for with your next sale proceeds?

  • Seasonal Overdraft and AgriManager® provide an ongoing line of credit to an approved limit that allows any-time access to funds. Both are designed to enable you to break free from your income cycle and take charge of your finances. We’ll review your finance limit annually to ensure it still suits.

How do I apply or find out more?

Contact your local Relationship Manager
Contact our customer service team
Visit your nearest branch

Things you should know

Terms, conditions, fees and charges may apply. Full details are available on application or by phoning our Customer Service Centre on 1300 660 115, online or by visiting your local branch. All information is subject to change. Products are issued by Rural Bank.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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