Agriculture Business Loans for the businesses that feed the country.
A farm business loan from a direct lender — straightforward working capital for primary producers, repaid on fixed, predictable terms.
Farms and agribusinesses carry serious upfront costs — inputs, livestock, machinery repairs, fencing and fuel — to keep the operation productive. An agriculture business loan from Business Loan Co funds them now and is repaid in fixed weekly or daily instalments you can plan around.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationHow farms and agribusinesses use it.
It's one loan you can spend however the business needs — these are the reasons agriculture businesses borrow most often. There are no restrictions on how you use the funds.
Inputs
Seed, feed and fertiliser to keep production moving.
Livestock
Buying or restocking when the opportunity is right.
Plant & machinery
Repairs and servicing on the gear you rely on.
Fencing & infrastructure
Yards, fencing, sheds and on-farm improvements.
Fuel
Keeping diesel up to the busy stretches of work.
Wages
Paying farmhands and seasonal workers on time.
Three things to apply.
We look at the health of your business — not big-bank-style thresholds. If you're trading and your cash flow is real, you can almost certainly apply.
Australian business with an ABN
You must hold an active ABN. We lend to companies, trusts, partnerships and sole traders.
At least 6 months of trading history
Newer than that and we won't have enough of a picture to underwrite responsibly.
Monthly turnover from $5,000
We look at the health of your cash flow more than any single threshold — but $5K/month is the floor.
A direct lender — not a broker.
Most "business loan" sites in Australia are brokers who pass your application to a panel and take a commission. We're the actual lender — we fund the loan ourselves, from our own book, out of our Adelaide office. The person who picks up the phone is the person making the decision.
Apply nowWe fund it ourselves
Your application stays with us — assessed, approved and funded in-house. No panel, no shopping around.
A real person on the phone
A lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Pricing confirmed before you sign
Your specialist sets out the amount, term and repayments in plain dollars before you commit to anything.
A quote first. Then you decide whether to apply.
Your quote builds inside the application — you'll see the numbers before you submit anything. Here's the whole process, start to finish.
Apply online
A short form, about ten minutes. Your quote — amount, term and repayments — builds on screen as you go.
See it, then decide
Nothing's submitted until you're happy. If the numbers work, submit; if not, walk away — no cost.
A specialist reviews it
A real lending specialist in our Adelaide office reviews your application and calls to confirm the details.
Get funded
Once you sign, approved customers are often funded the next business day, straight to the business account.
A quote is provided within the application, and you decide whether to proceed at that point. Loans are subject to eligibility and assessment — approval is never guaranteed. Pricing is confirmed by your lending specialist before you sign. Business Loan Co is a direct lender. ACN 609 323 337.
Questions agriculture businesses ask.
The product is the same for everyone — these are the questions we hear most from agriculture operators. The full FAQ covers eligibility, repayments and support.
Read the full FAQIf you hold an active ABN, have at least 6 months of trading history and turn over from $5,000 a month, you can apply. We look at the health of your business rather than big-bank-style thresholds.
It depends on the loan size and your situation. Many of our smaller loans don't require security over your assets; larger loans may. Your lending specialist will explain exactly what's needed before you commit.
Inputs, livestock, machinery repairs, fencing, fuel, wages — there are no restrictions on how you use the funds. If it keeps the operation running, it's fair game.
Fixed instalments — weekly or daily (Mon–Fri), your choice — over a 12 to 18 month term. Your specialist confirms the amount, term and repayment with you before you sign. No variable element, no surprises.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.