Agricultural finance
Finance that runs on the season, not the bank's calendar.
Livestock, seasonal cash flow and farmland finance for Australian producers, placed with lenders who understand agribusiness and set repayments around your season.
Livestock
To 100%
Farmland LVR
To ~65%
Facility
$100K–$10M
Repayments
Flexed to the season
Indicative only. As brokers we place your deal with the right private lender; final terms are set by that lender.
Built around how a farm actually earns.
Agricultural finance covers the things a bank treats as too hard: buying livestock, funding a season's inputs, and borrowing against farmland that earns in lumps rather than a steady monthly wage. Aurelius Private are private lending brokers. We arrange it across a panel of lenders who understand agribusiness, not a metropolitan credit committee.
The structures follow how a farm earns. Livestock can be funded to 100% of the purchase price, secured against the stock itself rather than the farm, and repaid when the cattle or sheep are sold, so there is nothing to service while they put on weight. Seasonal facilities fund crop inputs or stockfeed and clear after harvest. Breeding and dairy stock, which earn steadily, sit on monthly or quarterly repayments.
For land, private ag lenders write farmland purchase and refinance to around 65% of value, and fund development and improvements higher again. Seasonal and term facilities can run side by side. Where a bank has pulled back, capped your LVR, or simply gone quiet at the wrong time of year, this is the finance that gets the stock bought and the season funded.
What it looks like
- Livestock funded to 100% of purchase, secured against the stock
- Trading stock repaid when it is sold, no monthly repayments
- Seasonal facilities for crop inputs and stockfeed, cleared after harvest
- Farmland purchase and refinance to around 65% of value
- Facilities from $100,000 to $10 million
- Available across every state and territory
Who this is for.
Herd purchase and restocking
Buy breeders or restock after drought without tying up the farm. Livestock finance funds the purchase and waits to be repaid when the stock is sold, so a rising market does not price you out while you wait on a bank.
Seasonal cash flow
Fund crop inputs, stockfeed or a season's operating costs, then clear the facility once the harvest or the sale lands. The repayment is timed to the season, not a fixed monthly schedule.
Buying or refinancing farmland
Purchase the adjoining block, aggregate a holding, or refinance a bank that has capped your LVR, with term finance to around 65% of value and more for development.
Development and improvements
Fund fencing, water infrastructure, sheds or a greenfield program on land you already own, alongside a seasonal facility where it helps.
“Farming does not run on a bank's monthly repayment calendar, and the good ag lenders know it. Livestock can be funded to 100% and repaid when the stock is sold; seasonal facilities wait for harvest. Tell me the enterprise, the land and the season, and I'll place it with a lender who actually understands agribusiness.”
Founder and Managing Director, Aurelius Private
Common questions.
Agricultural finance near you
We are based on the Gold Coast and place agricultural finance for clients right across South East Queensland. Explore by area:
Tell us about your deal.
Send through the scenario. You’ll hear back the same day with who would fund it and roughly what it costs. If it doesn’t stack up as it stands, we’ll say so and tell you what would need to change.