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Forefront Equipment Finance
Agricultural equipment finance

Finance that moves with the season.

Tractors, headers, sprayers, balers and the implements behind them. Farm cash flow doesn't run monthly, and the right structure shouldn't either — we set up repayments that line up with how the year actually pays.

15+ yrs broking$100m+ settled30+ lenders 5.0 across 27 Google reviews

Within the hour, business hours. No obligation on either side.

15 minutes on the phone. You'll have:

  • What you can borrow right now, and roughly what it costs
  • Two ways to structure it around how your money actually arrives
  • A straight yes, no or date on the machine you're looking at
  • New, used & private sale
  • Indicative answer under 24 hours
  • How it works
What we finance

Agriculture, new, used, dealer or private.

Tractors, headers, sprayers, balers and the implements behind them. Farm cash flow doesn't run monthly, and the right structure shouldn't either — we set up repayments that line up with how the year actually pays.

Know the agriculture you're after? Name it and we'll come back with what a lender will actually do.

Send it through
Across the cropping calendar
Fendt tractor moving an oversize implement
Pair of Case IH combines
Case IH combine harvesting wheat
Sprayer in a canola field
New Holland tractors on a float
Fendt with a slasher implement
What shapes an ag file

We read the file before we pick the lender.

Seasonal and annual repayments

Some lenders structure repayments around harvest or offer annual servicing. Most brokers don't mention it. We do, where it fits the operation.

Family-farm structures

Partnerships, trusts, a move to a company — farm businesses have quirks first-time borrowers get caught by. We've seen them and know how to present them.

Captive vs broker-market

The dealership's own finance is the easy default, but it isn't always the cheapest. We'll tell you straight when it's worth looking wider.

Before you send it through

Who this desk is for.

Worth thirty seconds — it saves you a call you didn't need and gets the right files moving faster.

Send it through if

  • You've got an ABN — trading now, or just starting with work lined up
  • The gear earns its keep: trucks, plant, ag, fit-out, work vehicles
  • Dealer, auction, or a private sale out of someone's paddock
  • New, aged, or a file another desk has already knocked back

We're not the right desk if

  • It's a personal or household buy — the family car, a caravan, a weekend boat
  • There's no ABN behind the purchase
  • The asset doesn't produce income — this desk funds gear that works

If that's you, don't waste your afternoon on the form — a consumer lender or your own bank will do it better than we can.

Sounds like your file? Two minutes on the form and you'll have an indicative answer inside 24 hours.

Get my finance plan

Worth a read

All resources →
Agriculture

Family-farm tractor refi — the three quirks that catch first-timers

Partnership-to-company restructures, ABN-age gaps, captive-finance end-of-term — the three things that catch first-time farm-business refinancers, and how to get ahead of them.

Agriculture

Ag machinery finance — the seasonal repayment options most brokers skip

Farm cash flow doesn't run monthly. The seasonal, annual and skip-month repayment structures that line equipment finance up with how the year actually pays.

Trucks

Trailer finance — the state-by-state registration quirks that bite at settlement

Buying a trailer in one state and running it in another? The registration and PPSR quirks that surprise first-time buyers at settlement, state by state.

Start the file

Gearing up before the season?

Tell us the machine and the timing — we'll structure it around your cash flow.

Get a quote