agPAY

Provides crop farmers with pre-plant finance for input costs such as seed, chemicals, fertiliser, water and fuel as well as crop insurance, lease payments, agronomy services and contractors
'Grow-now-pay-later’ concept gives farmers flexibility to access crop inputs when they need them
Loan duration aligned to winter and summer cropping seasons providing cash-flow certainty
Repayment in cash and clear repayment dates
Security over crop and not land
New season applications available immediately following harvest

Provides wool producers with a solution to unlock the equity in their clipped wool
Maximum 65% LVR against baled wool held in third party storage
Wool is sold on borrowers instruction
Repay with wool sale proceeds
Maximum 12 months

Provides producers with funding to purchase livestock including brokerage, transport and transaction costs, as well as animal health related products allowing herd build and quality improvement
Available pre-purchase on ‘conditionally approved’ basis providing producers certainty when going to market/auctions
Not structured around seasonal drivers, allowing flexibility on loan duration
Funding when the producer needs it providing cash flow certainty
Security over purchased livestock through PPSR PMSI

Provides dairy producers with funding to grow or purchase fodder for their dairy herd
Winter or summer fodder
Re-payment must be made directly via Milk Processor
Covers irrigation water, fertiliser, chemical, pasture, seed, lease payments, diesel, feed supplements and fodder
Fills gap left by milk processors who have previously lent in this space and withdrawn

PRODUCTS