From tractors to harvesters, sprayers to silosMako Equipment Finance delivers fast, flexible agricultural finance solutions to keep Australian farms running and growing. Whether you're upgrading equipment, replacing aging gear, or expanding operations, we help structure finance that works with your seasonal cash flow and long-term goals.
We work with primary producers, rural contractors, and agribusinesses across Australia to make equipment ownership easy, accessible, and tax-effective.
What is Agricultural Equipment Finance?
Agricultural finance helps fund the purchase of new or used farm equipment, machinery, vehicles, or infrastructure. Instead of paying large upfront costs, you finance the equipment over time - with tailored repayment options that align with your cropping, harvest or livestock cycles.
We offer a range of products including chattel mortgage, finance lease, rent-to-buy, and low-doc loans - so you can get the job done now, without tying up working capital.
Why Choose Mako?
- Access to 40+ lenders including major banks and rural finance specialists
- Low-doc finance available up to $500k with no tax returns required
- Seasonal repayment options tailored to farm income cycles
- Fast approvals - often within 24 - 48 hours
- Private sale, auction, and used equipment finance available
- Dedicated support from a team that understands the ag industry
From sole traders to multi-property operators, we know how to structure the right deal - so you can focus on production, not paperwork.
What Can You Finance?
- Tractors, headers, and combine harvesters
- Sprayers, balers, seeders, and ploughs
- Livestock handling systems and feeders
- Irrigation equipment and water tanks
- Silos, sheds, fencing and other on-farm infrastructure
- Farm utes, quad bikes, trailers, and support vehicles
- Ag implements and attachments
If it drives productivity on your farm, we’ll find a way to fund it.
Who Is It For?
- Farmers and producers across cropping, livestock, horticulture and viticulture
- Contractors and rural trades supporting the ag sector
- Family farms, partnerships, companies, and trusts
- New ABNs or generational businesses alike
- Clients with seasonal income or alternative documentation
We regularly help farmers who have limited financials, are restructuring after tough seasons, or simply want a faster, smarter approach to finance.
Common Finance Structures
- Chattel Mortgage - Full ownership from day one with tailored repayments
- Rent-to-Buy - Off-balance-sheet rental with option to own after 12 months
- Finance Lease - Fixed-term lease with residual value and tax-deductible payments
- Low-Doc Loans - No tax returns required (ID and privacy form only)
- Master Limit - Pre-approved facility for multiple purchases across the year
How It Works
- Choose the equipment - new or used, dealer or private seller
- We assess your situation and match you to the right lender
- Approval issued, often in 1-2 business days
- Sign digitally, and we settle directly with the supplier
- You take delivery and put the equipment straight to work
We also assist with dealer introductions, auction prep, and finance pre-approvals if needed.
Speak to our team today about an agricultural finance solution that fits your farm.
