Agribusiness lending
Twenty-four years inside the big four banks, and an avocado block in Sunraysia. Book a complimentary conversation about what your operation can actually carry.
100% private. No obligation. No spam.
Adrian HardieDirector and Senior Broker, Mildura VIC
Director and Senior Finance Broker
What you get
Yield variability, water allocation, price movement, capex timing. Specialist agribusiness lenders scrutinise all of it, and how it is modelled and presented changes the answer. Walking in with it already stressed answers the question before it is asked.
You talk to Adrian, not a call centre and not a manager who will be replaced next year. His preference is to come out to the farm and walk the place before he forms a view on it.
The conversation is complimentary. If you choose to proceed afterwards, a one-off engagement fee applies and it is disclosed in writing before you commit to anything. After settlement, Adrian is paid a commission by your lender, not by you.
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
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Individual results vary. Your outcome depends on your circumstances and lender assessment.
Why Adrian
The complimentary assessment
Around 14 hours of specialist work, worth about $3,500 at typical market rates.
It costs you nothing.
Value calculated at $250 per hour, the typical market rate for comparable specialist agribusiness advisory work. It is not a fee charged to you. Hours vary with the complexity of your operation.
100% private. No obligation. No spam.
How it works
Choose a slot that suits you from Adrian’s calendar. It takes about two minutes, and you get a confirmation straight away.
Forty-five minutes by phone or video, or on the farm if you are within reach of Sunraysia. Your operation, your plans, and how a lender would read them.
You finish with an indicative outcome and a clear picture of what proceeding would involve. Whether you take it further is entirely up to you.
About
I spent 24 years inside the big four banks. I sat on the other side of the desk, applying the credit policies that decide whose loan gets written and whose does not, and I watched plenty of good farms get assessed badly because nobody took the time to understand how a season actually works.
I also farm. I own and work an avocado block in Sunraysia, so a dry year, a price that fell away and a capital job that could not wait are not abstractions to me.
That combination is the whole point of Hardie Finance Group. I know how lenders think, and I know what it looks like from your side of the fence.
Common questions
No. Everything up to and including the indicative outcome is complimentary. If you decide to proceed afterwards, a one-off engagement and mandate fee of $1,800 plus GST applies, disclosed in writing before you commit to anything. It is the same fee regardless of how much you are borrowing. After settlement, I am paid a commission by your lender, not by you.
No. Talking to me and having your position assessed does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
Often it is exactly the right time. Agribusiness lenders differ considerably in how they read a weaker year alongside stronger ones, and in how much weight they give a forward budget against historic results. One bank looking at one set of figures gives you one answer, and it is not always the answer the wider market would give.
I have heard that a hundred times and it is rarely as bad as people think. Farm financials look untidy to their owners and perfectly normal to someone who reads them for a living. Bring what you have and we will work out what is missing.
It is usually the right time. Knowing what your operation can carry, and what would strengthen the position, gives you months to act on it rather than finding out under pressure when the neighbour’s block is already under offer with a short settlement.
Nothing at all for the first conversation. It helps if you know roughly what you produce and what you owe, but that is it. If we go further I will tell you exactly which documents are needed and why, and I will deal with your accountant directly.
Yes, and I would prefer to. I am based in Mildura, Victoria and travel a wide radius around the Sunraysia region. Clients further afield are looked after by video, phone and email, with the same process throughout.
The engagement fee is retained once work has commenced, because the work has been done. That is why everything up to the indicative outcome is complimentary: you can see where you stand and walk away at no cost, before any of it applies.
Forty-five minutes with a broker who spent 24 years inside the big four banks and farms his own block, looking at your operation the way a lender would. The conversation is complimentary and there is no obligation to go any further.
