Knowing your numbers with the help of our farming loan calculator is an important part of running your farm or agriculture business. That’s why we’ve built these specific farming loan calculators to help you make informed decisions.
Please note that the results from our farming loan calculator are estimates only and do not constitute a formal loan offer from any financial institution.
Farm Loan Calculator
Australian Farm Loan Calculator
Calculate your agricultural finance requirements for land purchase, equipment, and farm operations
Farm Purchase & Setup Costs
Your Available Funds
Loan Terms
Loan Calculation Results
Monthly Repayment Details
30% deposit meets most rural lender requirements – consider specialist agricultural lenders
Disclaimer: This calculator provides estimates based on the information entered. Actual loan terms, interest rates, and approval will depend on factors including farm type, location, production history, credit rating, and current agricultural lending conditions. Rural property loans often have specific requirements. Consult with a qualified agricultural finance specialist for personalized advice on your farming loan requirements.
Note: This calculator is for illustration purposes only. Contact us for a specific quote from an actual lender.
Regardless of the result above, book time with our team to explore your options. Every application is unique and we may still be able to find financing options no matter what your circumstances.
How much can I borrow for a business loan in Australia?
The amount you can borrow for a business loan in Australia depends on the type of loan and your business situation. Generally:
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Unsecured business loans you can borrow up to 84% of the loan amount
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Secured loans especially those backed by property or other assets you can borrow more over longer terms
The repayment schedules will determine the payments you need to make.
Remember the actual amount you can borrow will depend on your credit score, business revenue and the lender’s policies.
Common questions
Which loan is best for farming?
The best loan for farming in Australia depends on your specific needs. Options include:
- Farm Investment Loans for expansion and productivity improvements
- Drought Loans for managing through dry periods
- Farm Management Deposits for income smoothing
- Equipment Finance for machinery purchases
- Farm Business Loans for general purposes Choose based on your farm’s size, type, financial situation, and goals.
How much can I borrow for a business loan in Australia?
Business loan amounts in Australia vary widely. Unsecured loans typically allow borrowing up to 80-85% of the loan value. Secured loans, backed by assets like property, may offer higher amounts. The exact figure depends on factors such as your business’s revenue, credit score, and the lender’s policies. Some lenders offer up to $1 million or more for well-established businesses with strong financials.
How is a business loan calculated?
Business loan calculations in Australia typically involve:
- Principal amount (how much you borrow)
- Interest rate (fixed or variable)
- Loan term (duration of the loan)
- Repayment frequency (monthly, quarterly, etc.)
Lenders use these factors to calculate your regular repayment amount. They may also consider your business’s cash flow, profitability, and credit score to determine loan eligibility and terms. Many lenders provide online calculators to estimate repayments based on these factors.
Need more help?
Farm loans and working out repayments is key to running your farm business. Use our farming loan calculator and this article to make better decisions for your farm.
Talk to a business finance broker with farming experience to get advice specific to you. With this info and the right tools you can get the funding you need to move forward.
