agriculture loan - farm finance

Oak Laurel | Agriculture Finance Brokers

Looking for agricultural finance for a working farm? We can help!


Farm loans: mortgages for farmers

Agribusiness loans: finance to meet your farming needs

Farming or agribusiness has unique challenges. The nature of farming means that your agribusiness is influenced by the environment and other factors. This can mean that  cash flows and capital requirements can be highly variable and often do not coincide.

Farm loans: agricultural finance

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An Oak Laurel mortgage broker will go through your situation with you to ascertain the best way forward.

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Agribusiness loan - finance for agriculture farming

Agribusiness loans: finance for agriculture farming

Oak Laurel Agribusiness finance brokers can assist you with your agricultural loan / farm finance needs.

Agribusiness owners can often benefit from using a range of tailored rural finance products. Oak Laurel mortgage brokers can assist you to find the solution that’s right for your agribusiness.

Oak Laurel finance brokers can  help you with:

  • Buying a new rural or agricultural property;
  • Acquiring additional working capital for your agriculture business;
  • Expanding your agribusiness;
  • Refinancing to get better interest rates or other finance terms; or
  • Restructuring your personal or agribusiness finances.
Whatever your agribusiness finance needs, we can compare and contrast the different rural and agribusiness finance options that meet your business’ needs.

Oak Laurel mortgage brokers can help you with any kind of rural financing you need, including:

  • Low loan interest rates;
  • Seasonal finance;
  • Term loans;
  • Core debt finance;
  • Working capital loans;
  • Lines of credit;
  • Flexible options, including payment plans that fit within your cash flow;
  • Vehicle, plant and equipment finance;
  • Other investments off the farm; and
  • Financing succession planning.
There are a number of considerations when choosing which finance you need such as:

  • How much you want to borrow;
  • The loan term you need;
  • Your cash flow and the loan repayment frequency to match;
  • The purpose of the loan;
  • The interest rate type (e.g. variable or fixed interest);
  • If you need flexibility to increase the amount of the borrowing or if it is for a known set amount;
  • The amount of equity that you have;
  • Your time frame;
  • The type of farming you do; and
  • Your eligibility for the loan.
Typically the maximum loan term for an agribusiness loan is 15 years.  However, longer loan terms may be available in the certain circumstances. eg where the applicant has strong cash flow and the loan to value ratio is low.
The maximum loan to value ratios available will vary with lender, loan type and the property that is used as security. However, generally the maximum loan to value ratio that is available for agribusiness loans is 70%. However, sometimes up to 80% loan to value ratios are available.
Some banks have specific agribusiness loan packages, whilst other packages not specifically targeted to agribusiness may be a better option depending on your needs. Our agribusiness loan brokers can assist you to compare the different loan packages including agribusiness loans and other packages so that you get the finance package that suits your needs.

Oak Laurel agricultural finance brokers can assist you with your finance needs whatever stage you are in your business.

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Agriculture property loans

Buying a farm or rural property? Obtaining finance to purchase a agricultural property can sometimes be challenging. We can assist you to compare and obtain finance for the purchase or refinancing of farming or rural real estate.

Special offer on commercial vehicle finance

Check out this special offer on commercial vehicle finance. Fast and simple approval (minimal docs required). Some used vehicles also accepted including: cars, light vehicles, farm vehicles (tractors, headers, harvesters), construction equipment (bulldozers, bobcats, excavators + more), warehouse/shop 'vehicles' (forklifts, telehandlers). Find out more here:

Oak Laurel Finance Brokers – Farm loans made easy!

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