Farm Machinery Finance (Funded Within 4 Hours)
Last updated: 5 August 2025
By Michael Pajar, Director & Business Finance Broker, Casey Asset Finance
Rapid finance for tractors, drones, harvesters, and more—so you can get back on the paddock today, not next week.
When critical farm machinery breaks down, every hour lost hits your bottom line. Yet, securing finance quickly from traditional lenders often feels impossible—endless paperwork, long approvals, and rigid policies.
You don’t have weeks to wait. In this guide, you’ll discover exactly how to secure farm machinery finance in as little as 4 hours, without the typical red tape.
What Is Farm Machinery Finance?
Farm machinery finance allows you to purchase essential equipment without depleting valuable working capital or cash reserves.
Common finance options include:
Chattel Mortgage: Own your equipment immediately, claim GST and depreciation benefits.
Lease: Pay regular rentals, with the flexibility to upgrade equipment easily.
Both options preserve your cash flow for other seasonal essentials—seed, fertiliser, livestock feed, and critical repairs.
Why Speed & Flexibility Matter to Aussie Farmers.
Farmers understand better than anyone: timing is everything. Yet traditional finance providers often fall short by:
Refusing finance for emerging technology, such as drones or specialised agri-tech (but we can).
Taking weeks to approve standard applications (we can do it within 4 hours for eligible clients).
Automatically declining finance due to minor past banking issues (we look beyond past challenges and focus on your current position).
Funding Timeline Comparison:
✅ Specialised Agri-Asset Lenders: Funding available within 4 hours, minimal documentation, low-doc approvals up to $75K.
❌ Major Banks: Typically 7+ day turnaround, extensive financial documents required, strict approval criteria.
Apply today for funding in as fast as 4 hours.
Simple Step-by-Step Application Process
Step 1: Check Eligibility (2 mins)
Minimum 2 years ABN history
No current business defaults
Step 2: Online Application (under 5 mins)
Provide basic details: ABN, machinery details, brief trading history (no lengthy forms)
Step 3: Same-Day Approval & Funding
Apply by 2 pm for same-day approval and funding.
Comparing Your Finance Options Clearly
✅ Specialised Agri-Asset Lenders (Rapid & Simple)
Speed: Funded within 4 hours
Docs Needed: Minimal documentation (ABN, ID)
Amount: Up to $75,000 low-doc
❌ Major Banks (Traditional & Slow)
Speed: 7+ days turnaround
Docs Needed: Full financials, tax returns, bank statements
Approval Criteria: Highly restrictive
How an Equipment Finance Broker Helps You
An equipment finance broker is your personal advocate, connecting you directly with specialist lenders who understand farming better than banks. A good broker will:
Access lenders willing to finance drones and specialist equipment.
Find competitive rates tailored specifically for farmers.
Secure finance quickly, without traditional banking delays.
Navigate compliance and simplify the entire lending process.
If you’ve faced challenges securing finance directly from banks, a broker can offer a clear path forward.
Frequently Asked Questions
Do I need 2 years’ trading to qualify?
Yes—typically, specialised lenders require at least 24 months of ABN history and no current defaults to offer low-doc finance quickly.
Can I refinance existing machinery?
Absolutely—you can refinance existing farm equipment to free up cash flow or secure better rates, subject to asset valuation.
What if I’ve had past bank issues or defaults?
Past banking conduct doesn’t automatically disqualify you. We focus on your current business performance and circumstances—not your past.
How quickly can I get my funds?
Eligible clients can access finance within just 4 hours if applying before our daily 2 pm cutoff.
Conclusion & Next Steps
Don’t let outdated, slow finance processes keep your farm standing still. Access fast, low-documentation farm machinery finance today, so you can return to doing what you do best—farming.
Apply by 12 pm today for same-day funding (low criteria apply).
Text “ag loan” to 0450 622 115 to get a quote today.
Or email: michael@caseyassetfinance.com.au
