Business loans for farming
Costs are year-round.
Revenue arrives at harvest.
Finance for Australian farming and agricultural businesses managing the gap between when inputs are needed and when the crop, livestock, or commodity pays.
Apply now
2 minutes · No credit check · Free
Overview
Why farming businesses choose Avoir
Agricultural cash flow is structurally unlike any other industry. Your seed, fertiliser, chemical, and fuel costs are paid in the months before planting. Labour costs run through the season. Machinery breakdowns happen at the worst possible time — mid-harvest, when delays cost more than the repair. Then revenue arrives in a single event: the sale of the crop, the livestock turn-off, the wool clip. The gap between the first input cost and the final payment can be 8, 10, or 14 months. Add seasonal volatility, commodity price movement, and the occasional season that simply doesn't come good, and you have a business that most city-based lenders fundamentally don't understand. Avoir connects Australian agricultural businesses to lenders who do.
A farming business with $800,000 in annual revenue might have $20 in the account in September and $780,000 arrive in November. That's not financial instability — that's agriculture. Banks that assess lending against monthly deposit averages are looking at the wrong data entirely. Lenders in Avoir's network assess agricultural businesses on their seasonal revenue pattern, their farming history, and their current position in the season — not on whether last month's bank statement looks active. Cropping, grazing, horticulture, mixed farming, and agribusiness operations are all accommodated. A specialist will review your specific operation and advise on available options.
Key features
Seasonal cash flow
Bridge the gap between input costs and harvest or sale revenue. Structured around your farming calendar, not a bank's payment schedule.
Inputs and operating costs
Fund seed, fertiliser, chemicals, fuel, and labour costs upfront when you need them — not when your bank gets around to approving.
Equipment and machinery
Working capital for equipment repairs, maintenance, and smaller machinery purchases that can't wait for a formal asset finance process.
All agricultural sectors
Cropping, horticulture, livestock, dairy, wool, viticulture, aquaculture, and mixed farming operations all eligible.
Eligibility
Do I qualify?
Farming and agricultural businesses with an active ABN and a demonstrable trading history are typically eligible to apply. Seasonal income patterns — large annual or biannual deposits with extended quiet periods — are specifically understood by lenders in our network. A specialist will advise you.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can farmers get unsecured business loans?
Yes. Agricultural businesses are eligible for unsecured business loans based on their cash flow and trading history. You do not need to provide a new property valuation or pledge your farm as additional security.
How do lenders assess a farming business?
Lenders assess farming businesses based on their bank statements, trading history, and revenue pattern. Seasonal revenue is understood — lenders familiar with agriculture assess annual patterns rather than requiring monthly consistency.
Can a sole trader farmer apply?
Yes. Sole trader farmers with an active ABN and at least 12 months of trading are eligible to apply.
What is the minimum trading period?
Most lenders require 12 months of trading history. For seasonal businesses, lenders will assess based on the previous full season's trading.
Can I use a loan to buy livestock or crop inputs?
Yes. Working capital loans for agricultural businesses are commonly used for livestock purchases, crop inputs, fuel, and other operating costs.
Does Avoir cover regional and remote farming businesses?
Yes. Our service is available to all Australian farming businesses regardless of location — metro, regional, or remote.
Ready to apply?
Don't let an input cost or equipment breakdown slow a good season.
Two minutes to apply. No credit check. A specialist who understands agricultural finance will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION