The modern farm runs on its equipment. Tractors, harvesters, haymakers, swathers, sprayers, irrigation, tillers and picking/grading equipment is just some of the piece of equipment and plant rural businesses need to run efficiently and grow. Savvy knows the needs of Country Australia and we have a range of agricultural equipment loans and leases that come with low rates, flexible terms and doesn’t impact your cash flow.
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We scour loan products offered by over 25 of Australia’s top lenders in agricultural equipment and vehicle finance to find you the best deal for your situation and circumstances. We can tailor an agricultural equipment finance solution that doesn’t require any initial capital outlay. We can even find loan products such as chattel mortgages or hire purchases that can finance more than your equipment so you can spread the cost of insurance or servicing over the loan term.
We also offer finance leases and operating leases as a way of securing and forecasting your cash flow with fixed repayments. Both are tax-deductible options (claim depreciation and interest on payments) and use operational expenditure (OpEx) rather than capital expenditure (CapEx) in your balance sheets. Finance leases give you the option to purchase your equipment by paying off the residual. An operational lease allows you to extend the term, trade in your equipment for an upgrade or return the equipment if it’s no longer of use. Our financial professionals can help find the right agricultural equipment loan or lease solution that fits your business.