Rural Loans

Rural Finance and Farm Banking Solutions to Suit Your Business

SproutAg provides financing solutions for primary producers and agribusinesses, including family-owned farms, corporate owned farms and food industry businesses. We connect rural customers to the farm banking finance solutions that best suit their needs. Contact SproutAg to connect with finance specialists with experience in rural loans and to understand your options.

Need assistance securing finance for your rural property or farm banking advice? Contact SproutAg to connect with finance specialists with experience in rural loans and to understand your options.


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Rural Loans

Rural Loans

When it comes to finance, taking out a well-structured loan facility, allows you to make the investments in your business to ensure it continues to thrive and succeed into the future. When it does, paying back the loan in small, affordable amounts can be simple and stress-free. Our team work closely with you to gain an understanding of the challenges facing your business, before providing a personalised solution that suits your needs and requirements.

Specialising in agribusiness finance solutions, SproutAg can provide efficient and effective solutions that work for you and your business.

Farm Banking

Farm Banking Solutions for Australian Farmers

Farmers and agribusinesses need to continually manage their cash flow, grow the business, and find the best finance solutions when needed.

Running a business in the agricultural industry is one of the most rewarding ways to make a living, but it comes with uniquely demanding challenges. Many of these challenges come in the form of finances, which is why our dedicated team works with farmers and agribusinesses to improve their financial position.

Embedded in our local communities and financial specialists, we understand your needs and how to help you achieve your goals through better financial management and accessible funding.

The SproutAg team work directly with you and lenders who understand farming and agribusiness to give you the best options to thrive.

Farmers Loans

Refinance Your Existing Loans

Agribusiness finance is designed to assist a variety of farming operations to access funds from working capital to major expansion. Regardless of whether you’re starting out in the industry or you’re running a multi-generational family farm business, you’ll know that farming is a difficult business to operate and grow.

When it comes to finance, by taking out a well-structured loan facility you can make the investments you need to make and ensure your business keeps thriving and succeeding into the future. And when it does, paying back the loan in small, affordable chunks can be simple and stress-free. As a company that specialises in agribusiness financing, the SproutAg team can assist you in applying for finance. Whether you want to apply with small lenders or a big commercial lender, you simply need a short-term loan to supplement your cash flow. If you're looking to manage existing farm debt, our team can help you find the best options available to you. We can provide efficient and effective solutions that work for you and your business.

The Benefits of Choosing SproutAg for Rural Loans

We all know that living in the country is markedly different from living in the city or the suburbs. Rural communities and ways of life are usually completely different from our urban counterparts.

But regardless of where you’re from, many people falsely believe that traditional banks and lending institutions are the only places to go to when it comes to financing rural property. In reality, this is far from being the case.

Not all banks have the specialised knowledge of rural communities and industries required to assess this type of application swiftly and effectively. As a result, such applications are likely to be rejected, without the correct supporting information– as they very often are.

Naturally, this can be a source of great frustration and confusion for those seeking finance in these locations and industries. Fortunately, there are specialist financial institutions dedicated to supporting agribusinesses and the industry available on the Australian market for those individuals who know where to look!

The SproutAg team work directly with you and agribusiness-friendly lenders to give you the best options on the market and the best chances of securing the funding you need.

Interested in Securing a Rural Loan?

Contact Us

Here at SproutAg, we have plenty of experience when it comes to providing bespoke financial solutions for businesses and individuals with agribusinesses in regional and rural Australia.

SproutAg are specialists in agricultural finance – if you’re looking for Rural loans, contact our team today.

Rural Loans FAQ's

Why is Agribusiness Finance Important?

Finance provides a platform for growth in any business, and it is not always just about the cost of interest. By acquiring the Asset, you want allows those assets to grow over time so that your family can create wealth through farming land.

Which Bank is Best for Agribusiness in Australia?

Which bank will be best for your farming business will depend on your unique circumstances. There may be a larger Agribusiness lender that might provide the right support for your farm and there are times where a smaller rural or regional bank will be the better option. Working with a team that specialises in financing and business solutions for farmers and agribusiness will provide applicants with the greatest advantage in securing funding.

Who is Eligible for Agribusiness Finance?

There can be a variety of eligibility criteria required to apply for agribusiness finance. Some common criteria may include:
> History of trading.
> Proven track record in Farming.
> Currently own or plan to own a farm of the required size to meet Agribusiness lending, generally greater then 100ha
> History of farming and previous farm trading results.
> Earn or plan to earn at least 50% of their income from the farm business.
> Ability to service your debt.

Why use SproutAg for your Agribusiness Finance needs?

SproutAg is the largest independent debt advisory firm in Australia with a focus on agribusiness. We have over 2,200 clients and $1.5 billion under management, and these insights provide our clients with competitive rates and structures as we know what price you should be paying. Access to credit is critical for farming businesses and SproutAg has over forty specialised lenders that we have access to. With staff always revolving and turning over at traditional banks, we are your relationship manager for all your finance needs. Our knowledge of the whole agribusiness finance market is second to none.

Why are Rural Loans Important?

Rural loans for farmers and agribusinesses is important as there can be a very real disconnect between lenders and farming communities.

Sprout Agribusiness look at various banks and their financial products to connect rural clients with banks or lenders who:

> understand the financial situation of farmers and growers
> prioritise financing agribusinesses and contributing to a sustainable agriculture industry
> take a strong focus on climate change and environment sustainability

Many people falsely presume that a standard banking options will suffice when it comes to supporting farmers and agribusiness. However, it can be difficult to manage and obtain finance for these businesses, both large and family-owned, with only a very limited number of financial institutions having the specialist knowledge required.

But fortunately, such financial institutions do exist, and they’re easy to contact and work with – as long as you know which organisation to put your trust in. This is where SproutAg comes in! Our team specialises in assisting farmers and agribusiness owners throughout the application process, from finding the right finance options to navigating the approval process and more.

How Does SproutAg Work With You?

A SproutAg partner will meet you face to face in one of our offices or on farm to understand your business and work through solutions with you.

What type of agribusiness loans can sprout agribusiness provide?

> Term Loans
> Overdrafts
> Equipment Finance
> Livestock Finance
> Seasonal Finance

Get in touch

Provide your details below and the SproutAg team will get in touch with you shortly or call 1300 149 409