Agribusiness Assets

Agricultural Equipment Finance

Agricultural finance that helps you grow.

When you’re looking to expand your opportunities, you need the right agricultural finance solution to help you move ahead. Yet too often, small business operators are lumbered with finance deals that have excessive charges and inflexible terms which can limit further growth opportunities.

So forget all that, talk to Pure Capital. We can provide Agricultural Finance on terms that give you more room to move. Whether you need bobcat finance or perhaps even trencher finance, Pure Capital can source finance in many forms to help you acquire the equipment you need sooner.

Easy finance solutions without the hard grind.

Let’s imagine you’re looking for stump grinder finance, chances are you don’t have time wait until local bank gets around to it. With all the messing around, phone messages etc, who knows how long it will take out of your day.

But when you talk to Pure Capital, we can call or meet at a time and place to suit you. From there, Pure Capital handles the whole agricultural finance process from application to approval.

We believe that getting to know your business and your unique trading conditions is important, because it allows us to act as your advocate in putting your case to the country’s leading financiers. It doesn’t matter whether you’re after wood chipper finance or maybe skid steer finance, Pure Capital can secure the right finance plan that will put you a step ahead.

  • Access to 25 leading financiers

  • Access to heavy asset finance and business loans to support your growth

  • Simple process to secure funds within 72 hours

Our focus is on growing your business through agriculture and farm equipment finance we can help you buy new or used equipment, from tractors to plows and earth-movers to crop-dusting aircraft. Taking the form of loans, leases, hire purchase and rental agreements, it can help you get the right equipment, when you need it. It can also give you the opportunity to grow your business.

A broad range of equipment can be financed, from vehicles – trucks, utes, earth-movers, harvesters, crop dusters and tractors – to equipment for harvesting and working the land. This type of finance is available for equipment for all sectors, from fruit picking to wine making, dairy farming and cotton picking – and for spraying, seeding, spreading, irrigating, tilling, feeding and processing.

The term of loan can vary, depending on how the equipment is used. If it is not used heavily or only on a seasonal basis, then longer-term loans may be available.

Farm Equipment Finance can take the form of rental agreements, leases and hire purchase. It can help you obtain farm and agricultural equipment now without paying upfront for the full cost. One of the great benefits of this type of finance is that the equipment you are purchasing can be used as collateral, so you will not have to use property as security.

Because you are using the equipment as security for your loan, the amount you can borrow depends on the value of the equipment you are buying. The equipment type, age of equipment, useful life and how much you will be using it are important factors for determining the amount of your finance approval. You can finance up to 100% of the value of the equipment.

Most equipment finance has fixed interest rates and a set term with regular monthly payments. The certainty of fixed monthly payments can help your business planning and budgeting. Another benefit of financing your equipment is that it frees up your capital to be used as working capital and towards your business growth.

Pure Capital Finance Benefits

  • Get funding fast

  • The equipment acts as security for the loan

  • Frees up working capital

  • Get equipment without paying for it upfront

  • Manage your cash flow with fixed instalments

  • You can claim tax deductions

  • Options are available for bad credit

  • Start a new contract with the latest technology at the end of your current contract

Agricultural Equipment Finance

  • Maximum loan:

    Up to 100% of Equipment Value

  • Loan term:

    1 to 10 years

  • Interest rates:

    Starting at 4.09%

  • Time to fund:

    As little as one day

How does Agricultural Equipment Finance work?

Getting an agricultural or farm equipment loan or lease can be a short, streamlined way to finance up to 100% of the value of any equipment you need.

It comes in many options including leases, hire purchase, loans and chattel mortgages, for example:

Equipment Loan

A standard equipment loan allows you to borrow up to 100% of the cost of equipment with fixed repayments. The equipment is generally the only security required for the loan.

Finance Leases

A finance lease is a form of a rental agreement because the lessor owns the asset. At the end of the lease you have the option of purchasing the asset (for a residual amount agreed upfront), trading in the asset for new equipment or simply terminating the lease.

There is a risk that at the end of the lease the asset will be worth less than the residual value. One of the advantages of a finance lease is that the lender pays the GST component; this makes your payments lower.

Operating Leases

This type of lease is ideal for equipment such as technology equipment that needs regular replacement. It is similar to a finance lease but the risk of the market value being lower than the residual value is with the lender, not with you.

At the end of the lease period, you simply return the goods to the financier. In this type of lease, the equipment is not listed as an asset on your balance sheet and therefore you cannot claim depreciation. You can, however, claim the lease payments as a tax deduction.

Chattel Mortgage

A “chattel” is a moveable asset (i.e. it’s anything other than real estate). With a chattel mortgage you own the equipment from the beginning of the term of the lease. With a chattel mortgage, only the interest component of the lease payments are tax deductible – but you can also claim a deduction for the depreciation of the asset. In addition, you can claim a credit for the GST component on your BAS statement.



Pure Capital Finance will find a finance deal that's right for you and combine all your sign and storage needs into one easy payment plan


If you want to advertise your business on the vehicle. Our partners will provide sign writing, window decals and other branding on your vehicle before collection


Caddy Storage can fit out your new vehicle with a storage system to suit your business and have it installed before collection

Let's Talk

Pure Capital is committed to helping meet your asset finance needs. We want to be your trusted business advisor and hope to build a partnership for life. We work hard to ensure that you receive great service and a bespoke package to suit your unique needs and financial requirements.

We offer different loans to suit different situations. Whatever yours is, we’ve got you covered:

  • Fast Approvals

  • No age limit on assets

  • Credit impaired Approvals

  • Low doc finance up to 500k

  • Same day funding

  • Dealer or Private sale

  • Access to over 20 lenders








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Pure Capital Pty Ltd (ABN) 87 628 391 757 are acting as an authorised credit representative (ACL) 389328, Australian Credit Rep no. 512764. Under s65(1) of the National Consumer Credit Protection Act 2009. All offers are “subject to lender criteria & acceptance” & the 0% * application fee is “to approved applicants only”. 0% Application Fee Offer Terms & Conditions: Offer subject to lender criteria & acceptance, fees and charges apply. The 0.00% * application fee offer applies to applications lodged by 10th January 2019. Trademark/ Copyright Disclaimer- No affiliation. Any product names, logos, brands, and other registered® trademarks™ or images featured or referred to within website are the property of their respective trademark holders. Use of them does not imply any affiliation with or endorsement by them. We work with Alphera financial services under a referral basis only. None of the examples, and/or pictures are affiliated, endorsed or sponsored by the manufacturer. Or of the trademark or corporation We declare no affiliation, sponsorship, nor any partnerships with any registered trademarks ,manufacturers or company names. We stand independently as the sole operators of Pure Capital Pty Ltd. We are proud of the fact that we do not need any sponsorship, or any partnerships with any other companies to provide our service and/or product.

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