Finance Broker Mildura · Sunraysia · and beyond

Speed in farm acquisitions comes down to being “credit-ready” before the opportunity arises. You need to know your exact borrowing position, have your financials proactively packaged, and understand which lenders have an appetite for your region. An experienced finance broker like Adrian at Hardie Finance Group, with 20+ years of agribusiness banking experience, knows how to position your financials so you can be prepared before the opportunity presents. Call Adrian on 0494 578 218.

Your options depend on how the asset earns and what suits your cash flow. You can utilise specialist asset finance, equipment loans, or restructure your core debt. Whether it’s irrigation systems, machinery, sheds, or packing lines, Adrian at Hardie Finance Group has access to multiple lenders, including specialist ag-equipment providers. Call Adrian on 0494 578 218 to match the right finance structure to your operation.

You need to structure your debt with lenders who treat the establishment timeline as a known business development stage, not a red flag. This involves capitalising interest or using interest-only periods so debt doesn’t strangle your cash flow before the first harvest. As an active avocado grower in Sunraysia and a broker with 20+ years of agribusiness finance experience, Adrian at Hardie Finance Group understands establishment periods from both sides of the fence, as a lender and as a farm developer. Call Adrian on 0494 578 218 to talk through your project.

Very likely, yes. A “no” from one lender is rarely the end of the story. Major banks often reject deals based on rigid credit models and strict security ratios, but specialist ag lenders or alternative banks will frequently approve the same deal if it is structured correctly. With 20+ years in Big Four agribusiness banking, Adrian at Hardie Finance Group knows exactly how lenders think and where to take deals that your bank has walked away from. Call Adrian on 0494 578 218.

Yes. Seasonal cash flow shouldn’t be jammed into a standard commercial credit model. Your loan can be restructured so lenders assess your annualised income position, rather than taking a snapshot of your quietest month. Adrian at Hardie Finance Group has two decades of experience presenting and structuring seasonal income to lenders correctly. If your current structure is working against you, call Adrian on 0494 578 218 to identify your options.

Financing succession starts with optimising your tax and equity position - especially now that the government has increased the small business CGT concession turnover threshold from $2 million to $10 million. This allows many more family farms to transfer active assets or execute buyouts without a crippling Capital Gains Tax burden.

Once your tax strategy is clear (full legal and financial advice required - talk to your accountant first), the next steps are valuing the enterprise, restructuring existing debt, and securing a loan that the incoming generation can comfortably service without stressing seasonal cash flow. Adrian at Hardie Finance Group has over 20 years of experience navigating complex family farm transitions. He can work alongside your accountant and financial planner to ensure your new finance structure fully capitalises on these expanded tax concessions. Call Adrian on 0494 578 218.

You should review your finances immediately if you are expanding, diversifying, transitioning, planning for succession, or if your bank’s relationship manager changes. Regular reviews ensure your loan structure actually matches your current business, crop cycles, and cash flow. Adrian at Hardie Finance Group offers expert, confidential reviews to help you refinance your agribusiness loan. Call 0494 578 218.