Plan for the income cycle you actually have
Map the periods when operating costs are paid and income is received. Include inputs, labour, machinery maintenance and existing commitments, with a realistic allowance for production variability.
A repayment schedule that looks manageable annually may still create pressure during a low-income month. Ask about the actual schedules available, without assuming seasonal terms are automatic.
Make the equipment case separately
Explain whether the purchase replaces an essential machine or adds capacity. Include delivery, attachments, transport and service support, particularly where downtime during a narrow operating window would be costly.
Consider how the investment fits a wider plan, including any existing property or equipment finance. A new facility should be assessed alongside those obligations.
What to prepare
- Seasonal cash flow and recent financials
- Machinery quotes and delivery timing
- Existing debt and security information
- Sensitivity to a delayed or lower-income season
Common questions
Does this page cover farmland purchases?
It focuses on operating and equipment needs. Property purchases require a separate assessment of the land, business and finance structure.
Is there one farm-finance product?
No. Agricultural businesses can have different asset, working capital and property needs.
General information only. Product terms and availability vary. Check the actual proposal and obtain advice appropriate to your circumstances.