Business lines of credit for farmers and agribusinesslenders who understand rural property
Business lines of credit in Australia: typically $50k to $5m at up to 70% if secured, over 12 months, revolving, settling in 3–10 days once security and entity documents are in hand. A revolving overdraft or line of credit that is drawn as needed and paid down as cash comes in.
- Rural-specific valuer networkWhat we bring
- Seasonal income genuinely understoodWhat we bring
- Regional lender relationshipsWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“Private lenders don't understand farming”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“City-based valuers get it wrong” — a fair concern, and one we address in writing before any application is lodged.
“One bad season shouldn't define the business” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: Banks retreating from agricultural lending; Income swings with the season; Valuer doesn't understand rural property; Drought or flood disrupting cash flow. What we bring: rural-specific valuer network, seasonal income genuinely understood, regional lender relationships.
How we work.
From the first call to the final drawdown, each step is led by a principal — not a queue.
Tell us the scenario
Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses business lines of credit.
Indicative terms
A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.
Credit and valuation
The lender assesses security, entity and exit. For business lines of credit this is typically 3–10 days end to end.
Settlement
Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.
Questions we are asked.
Why are banks pulling back from agricultural lending?
Some banks have tightened risk appetite for agriculture generally, reflecting climate volatility and sector concentration in their own books, rather than any change in an individual farm's fundamentals. Private lenders and specialist funds have stepped into that gap, assessing the property and operation on its own merits.
Can seasonal income be properly reflected in a loan application?
Yes, lenders experienced in agribusiness structure both the serviceability assessment and, where appropriate, the repayment schedule around the seasonal cash cycle rather than expecting a flat monthly figure that ignores harvest timing. This matters most for facilities running across a full season rather than a short-term bridge.
Will a drought or flood on the property count against an application?
It's considered in context, not treated as an automatic decline — lenders familiar with rural property expect climate variability and look at the operation's history and management through past events rather than the most recent one in isolation. Evidence of how the operation adapted matters more than the event itself.
Does the valuer need rural property experience?
Yes, a valuer without agricultural experience can materially misjudge a rural property's value, since factors like water rights, carrying capacity and improvements read differently to a city-based valuer. We place rural files with valuers and lenders who work in the sector rather than a generalist panel.
Can I finance equipment alongside land or property purchases?
Yes, asset finance for machinery and equipment is typically arranged separately from a land or property facility, secured against the equipment itself, and can run alongside a rural property loan without complicating either facility or slowing down settlement on the property side.
Is land banking relevant to agricultural property?
It can be, where a property is being held ahead of a change of use, subdivision or future development rather than continued primary production, though most agribusiness lending is structured around ongoing farming operations rather than a holding strategy. Talk to us about the intended use before assuming either approach applies.
How fast can business lines of credit settle?
Typically 3–10 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.
How much can I borrow with business lines of credit?
Our panel typically funds from $50,000 to $5,000,000, at up to 70% if secured. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.
What security is needed?
Property or unsecured. The stronger and more liquid the security, the sharper the pricing.
Is this a consumer loan?
No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.