Tractors
PTR Agribusiness Finance
Our Divisions
Agribusiness Finance Perth & WA
PTR Agribusiness Finance is a division of PTR Finance Group dedicated to keeping WA farms and rural businesses moving. From a single tractor to a full fleet of harvesting gear, our brokers arrange competitive farm equipment finance built around the realities of life on the land — seasonal income, big-ticket machinery and tight windows to get the job done.
Tractors | Seeding & Tillage | Harvesting | Grain Handling | Sprayers | Telehandlers | Solar
Farming cash flow does not run on a neat monthly cycle, and your finance should not pretend it does. Because we compare a panel of banks and specialist agricultural lenders rather than a single institution, we can structure repayments around harvest and seasonal income, and match the finance to how your operation actually earns across the year.
We take the time to understand your business and match the right equipment finance to your current operations and future expansion plans. Whether you are upgrading an ageing header, adding a seeder before the break, or financing solar to cut running costs, we find the most appropriate option and handle the legwork so you can stay focused on the paddock.
We finance new and used agricultural equipment across farming, construction and grounds-care, including:
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Seeding & tillage equipment
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Harvesters, headers, hay & swathers
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Grain handling & storage
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Spreaders, sprayers & seed destructors
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Telehandlers & loaders
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Solar & renewable energy systems
Cutting power costs on-farm? Our energy finance division funds solar and battery systems, while asset finance covers utes, trucks and general plant. Need working capital between seasons? See cash flow lending. When you are ready, request a quote and one of our brokers will do the rest.
Frequently Asked Questions
Can I structure farm finance repayments around my harvest?
Yes. Seasonal and annual repayment structures are common in agribusiness finance, letting you align repayments with when your income actually arrives rather than paying the same amount every month. We work with lenders who understand farming cash flow and will set the structure to suit your season.
What farm equipment can PTR Agribusiness Finance fund?
We finance the full range of agricultural machinery — tractors, seeding and tillage gear, harvesters, headers, hay and swathers, grain handling, spreaders, sprayers, seed destructors and telehandlers — as well as farm vehicles, construction and grounds-care equipment, and on-farm solar.
Can I finance both new and used farm machinery?
Yes. Agricultural equipment holds its value well, which makes it well suited to finance, new or used. For used machinery, the age, hours and type influence the term and rate, and we match you with the lender whose policy best fits the equipment you are buying.
Do you offer low-doc finance for farmers and new ABNs?
We do. We have low-doc and streamlined options for farming businesses that may not have full financials ready, which typically rely on the asset as security. This suits newer operations and those with income that varies year to year.
Can I finance solar panels for my farm?
Yes. On-farm solar is one of the best ways to cut rising energy costs, and we can fund it through our energy finance division. Talk to us about financing a solar or battery system alongside your equipment so you keep working capital free.
How much can I borrow and what deposit is needed?
Many established farming businesses access no-deposit finance secured against the equipment itself, with borrowing limits reflecting the machinery and your trading history. A deposit or trade-in can sharpen your rate, particularly for older machines or newer businesses — we will lay out the options before you commit.
