Seasonal Finance
Overdraft and working capital aligned to cropping cycles and seasonal cash flow.
Services / Agribusiness Finance
Agribusiness Finance.
Specialist funding for the land, from primary producers to post-farmgate processors. Here is exactly what happens, what it is worth, and what it costs.
Who this is for
Farming families financing the next stage.
Buying the block next door. Refinancing away from a bank that stopped answering the phone. Funding a development, restructuring seasonal debt, or bringing the next generation into the ownership structure.
Getting agribusiness finance right takes more than filling out an application. It takes someone who understands farming risk and, more importantly, how banks actually assess it.
Land Acquisition
Rural property purchase, expansion, and succession planning.
Water & Infrastructure
Water rights, irrigation systems, and on-farm improvements.
Post-Farmgate
Processing, logistics, and value-adding operations.
Phase 1
The complimentary strategic assessment.
Five stages of specialist work, done before you have paid anything and before anyone has touched your credit file.
We sit down, preferably on your place
Your goals, your timing, and the asset or opportunity you are financing. It can start on the phone, but my preference is to come to the farm and look around the business. I want to see the country, the plantings, the sheds and the water before I form a view on it.
What this means for you: you are not explaining your operation to someone who has never stood in a paddock. I farm avocados in Sunraysia. I know what a bad season looks like from the inside, not from a credit policy manual.
I collect and organise your numbers
Financials, tax returns, forward cashflow budgets, statement of position, production history and water entitlements. I tell you exactly what is needed, chase what is missing, and put it into the shape a credit team expects to receive it.
What this means for you: you gather it once. You are not sending the same document three times to three different people because nobody told you the format up front.
I model the cashflow and stress it
I model your seasonal cashflow, then sensitise it: yield variability, price movement, water allocation risk where it applies, and capex timing. Specialist agribusiness lenders scrutinise exactly this, and how it is presented changes the outcome.
What this means for you: this is the part a bank uses to decide whether you understand your own risk. Walking in with it already modelled and already stressed answers the question before it is asked. It is also the part most brokers do not do at all.
I pre-assess and structure the deal
Drawing on 24 years of bank credit experience, I pre-assess serviceability and structure the deal so it is approval-ready before it goes anywhere near a lender. Security, entity structure, facility mix, term and amortisation.
What this means for you: nothing is submitted while it still has holes in it. A declined application leaves a mark and makes the next lender harder, so the work goes in before anyone sees it, not after.
I test your position against lender credit appetite
I take the structured deal and test it against current credit appetite, policy and pricing across my panel of agribusiness lenders. Appetite moves constantly, by commodity, by region and by season.
What this means for you: you get an indicative outcome. A straight answer on whether this works, roughly what it looks like, and what it would take to get there. Given before you have spent a dollar.
You choose to continue from here.
Everything to this point has cost you nothing, and you leave knowing where you stand: an indicative outcome, in plain language, based on your actual numbers.
When you are ready to move, Phase 2 is where I go to work for you.
Phase 2
Formal engagement and mandate.
A one off engagement and mandate fee of $1,800 plus GST applies, payable when you engage me to act for you.
I gather what is left and deal with your advisers
The remaining information, and direct liaison with your accountant and solicitor. Trust deeds, entity searches, tax position, valuations, contract terms.
What this means for you: you stop being the messenger. I talk to your accountant, your solicitor and the lender, and you get told the outcome rather than being asked to relay it.
I build and lodge the submission
A complete, lender-ready application package with a written supporting narrative that explains the business, the risk and the mitigants in the language a credit team uses.
What this means for you: the credit assessor reads a case, not a pile of attachments. Deals do not stall because the story was left for someone else to work out.
I negotiate and manage it through credit
Negotiation on terms, then managing the application through credit and compliance, answering queries and managing every condition precedent through to unconditional.
What this means for you: approved and sitting there for six weeks is a real and common outcome. This is the stage where deals die quietly, and it is the stage that gets the most attention.
I see it through settlement, and then I stay
Documentation, signing, pre-settlement coordination between all parties, and settlement itself. After that I remain your finance contact: annual reviews, a rate check when it is worth doing, and support for the next stage.
What this means for you: the relationship does not end when the money lands. Most of the value of having someone in your corner shows up in year three, not week three.
What it all adds up to
Forty hours of specialist work.
| Inclusions | Typical hours | Value | You pay |
|---|---|---|---|
| Discovery conversation and farm visit | 3 | $750 | $0 |
| Financial and farm data collection | 2 | $500 | $0 |
| Cashflow modelling, sensitising and risk modelling | 3 | $750 | $0 |
| Credit structuring and pre-assessment | 4 | $1,000 | $0 |
| Testing your position against lender credit appetite | 2 | $500 | $0 |
| Phase 1 subtotal | 14 | $3,500 | $0 |
| You choose to continue from here | |||
| Remaining information, accountant and solicitor liaison | 5 | $1,250 | $0 |
| Submission preparation and lodgement | 8 | $2,000 | $0 |
| Negotiation, credit management and conditions precedent | 7 | $1,750 | $0 |
| Settlement and ongoing relationship | 6 | $1,500 | $0 |
| Phase 2 subtotal | 26 | $6,500 | $1,800 + GST |
| Total | 40 | $10,000 | $1,980 inc GST |
Values reflect typical market rates for comparable specialist agribusiness advisory and structuring work, calculated at $250 per hour. They are not fees charged to you.
Hours are typical, not fixed. Some engagements run under and some run well over, depending on complexity, entity structure, and how the information arrives. The fee does not change either way.
What you pay
One fee, disclosed up front.
Why it works this way: it means I am paid to get the structure right the first time and to stay in your corner for the long term, not to close a transaction and move on.
Once you have settled a deal with me, that engagement fee generally does not apply again. Annual reviews, rate benchmarking and strategic credit counsel carry no charge for as long as you are a client.
Agribusiness lending
$1,800 + GST
$1,980 including GST. One off, non-recurring, and the same regardless of how much you are borrowing.
After settlement, I am paid a commission by your lender, not by you. There is no further cost to you for the life of the loan.
The fee covers credit assistance and structuring. It does not guarantee that a lender will approve your application.
Book a Time with AdrianA specialist approach
Agribusiness lending is not standard. Neither is our approach.
Regional enterprises are often misread by banks that do not understand seasonal cycles or commodity risk. We use industry benchmarks and lender intelligence so your risk profile is presented accurately and assessed on its merits.
Strategic funding options.
Seasonal overdrafts
Flexible working capital to manage input costs and seasonal fluctuations.
Term debt & farm mortgages
Long-term solutions for property acquisition, development and expansion.
Water rights & infrastructure
Finance for permanent water, irrigation systems, and on-farm improvements.
Post-farmgate processing
Capital for packing, logistics, and value-adding operations.
Livestock & commodity finance
Products suited to herd building and commodity trading.
SMSF for agribusiness
Lending into an established fund that already holds or intends to hold the land. Whether a fund suits you is a question for your accountant.
In depth
Specialist topics we cover.
Hover or tap a card to read more.
Land Purchase & Expansion
Hover / tap to learn moreGrow your footprint strategically. Combined-operation serviceability, feasibility modelling, and long-term Core Debt structuring up to 30 years.
Book a time →Succession Planning
Hover / tap to learn moreFund the handover without breaking the farm. Clean exit for the senior generation, viable cash flow for the next, structured alongside your accountant.
Book a time →SMSF for Agribusiness
Hover / tap to learn moreWhere a fund is already established and the trustees have decided to buy, I can arrange the lending and the lease-back structure. Whether a fund suits you is your accountant’s call, not mine.
Book a time →Seasonal & Working Capital
Hover / tap to learn moreBridge the gap between inputs and income. Limits set to your peak deficit, interest only on funds drawn, sized to your crop cycle.
Book a time →Trade Finance
Hover / tap to learn moreUnlock value before the cash arrives. Trade and import finance, debtor finance, and bridging structures for export-oriented growers.
Book a time →Debt Consolidation & Refinancing
Hover / tap to learn moreAudit your liabilities, reclaim your equity. We review every facility, scan our panel, and restructure for a cleaner long-term position.
Explore refinance →Common questions
Before you book.
Does the assessment cost me anything?
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. After settlement, I am paid a commission by your lender, not by you.
Will this affect my credit file?
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.
We have just had a poor season. Is it worth talking?
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.
My books are a mess. Is that a problem?
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.
Nothing is on the market yet. Is it too early?
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.
Why is there a fee at all when other brokers do not charge one?
An agribusiness engagement is around 40 hours of specialist assessment, structuring and negotiation, and that work happens whether or not a lender says yes. The fee covers it. It also means I am paid to get the structure right rather than to close a transaction, which is a different incentive.
What if I change my mind after engaging you?
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.
Do you work outside the Sunraysia region?
Yes. 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.
★★★★★
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.
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