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Access Non-Bank Funding for Aussie Farmers
FarmCap is a leading alternative funding solution. Helping fill the funding gap when farmers fall outside mainstream lending.
- Specialists in agricultural lending
- Relationship focused with on-farm visits
- Proven track record helping farmers across Australia
We Know What Farmers Want
Many farmers feel frustrated by the banks and often experience a general lack of support and understanding when they need it most. FarmCap delivers what farmers want.
- Speed: prompt responses from a decision maker. Fast execution
- Flexibility: structuring around real farming scenarios and challenges
- Understanding: deep sector agricultural lending experience and knowledge
- Certainty: proven ability to deliver, fund and settle including complex deals
WHERE WE LEND
Lending Parameters
Funding Aussie Farmers |
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| Loan Amounts |
$200,000 to $10 million. Average loan size $1–5 million. |
| Loan Duration | 6 months to 2 years. Short-term lending with extension options available where appropriate. |
| Loan Security | 1st and 2nd registered mortgages supported by PPSR registrations and guarantees. Secured against Australian farmland, water assets and related agricultural security. |
| Loan to Value (LVR) | Up to 60–65% on 1st mortgage and up to 70% on 2nd mortgage lending, assessed on a deal-by-deal basis. |
| Locations | Australia-wide, all farming regions considered. |
| Borrower type | Australian farmers and agribusinesses. Business purposes only, with off-farm investment scenarios considered. |
| Farm types | Broadacre cropping, mixed farming, livestock, dairy, horticulture, permanent plantings and most other agricultural enterprises. Some exclusions. |
| Rates | 1st mortgage: BBSW + 7–9%. 2nd mortgage: available on request. Price assessed according to risk profile. |
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2 | 3 | 4 |
| 5 | 67 | 8 | 0 |
| 9 | 12 | 6789 | 9090 |
| 9 | 9 | 9 | 9 |
| 8787 | 8 | 878 | 8998 |
Refinance Another Lender
Payout a bank or another lender including when a farmer may be asked to leave mainstream lending.
Working Capital
Seasonal finance, livestock, inputs, farm operations, on-farm investment or debt consolidation (ATO, other creditors).
Growth & Bridging Finance
Take advantage of a farm or asset purchase opportunity where time is of the essence. Expand faster than a bank will allow with speed and flexibility.
Complexity
Outside the box, complex structures, farm reset, debt restructuring, succession, conflict resolution (divorce, dispute, estate, farm debt mediation), specialised crops.
Complexity
Outside the box, complex structures, farm reset, debt restructuring, succession, conflict resolution (divorce, dispute, estate, farm debt mediation), specialised crops.
Complexity
Outside the box, complex structures, farm reset, debt restructuring, succession, conflict resolution (divorce, dispute, estate, farm debt mediation), specialised crops.
LENDING PROCESS
Step-by-step loan process
The borrower journey from loan enquiry to settlement to repayment.
Why would a farmer need funding from a non-bank?
Occasionally farmers fall outside mainstream lending parameters – during both good times and through more challenging seasonal times.
While banks fund around $140B of funding to Australian agriculture, there are often funding gaps to fill due for a variety of reasons.
Bank regulations make lending rigid at times whereas famers may need a forward looking lender who can adapt to speed, size, duration, flexibility, terms and complexity.
Banks also require strict loan serviceability parameters whereas FarmCap is an ‘asset backed’ lender who can lend to farmers that may be ‘asset rich’ but profit or cash constrained at times.
Also read our blog post which outlines why farmers typically ask us for funding.
Do you charge more than a bank?
Yes, our rates are higher than bank rates to reflect the risk premium for private funding. We spend professional time and expertise on each loan and source capital to fund these loans which need to reflect sufficient returns for investors.
How long does it take to get a loan?
Typically between 2-6 weeks depending. Given we are a mortgage backed lender, we require property security and that means obtaining an independent valuation, conducting due diligence and execution of loan documentation.
We pride ourselves on moving as fast as practicable. This is not ‘instant, quick cash’ like an unsecured lender.
What are your lending parameters and loan terms?
Please see our lending parameters outlined above and download our capability document.
Do you only lend to farmers?
Yes. We lend to farmers and support food and fibre production in Australia.
Do you lend against crops, livestock and equipment or just land?
While our funding can be used for a variety of reasons including crops, livestock, equipment or an off-farm investment, our primary loan security is a registered mortgage over Australian farmland real estate.
Do you visit every farmer prior to each loan?
Yes 100%. It’s a great part of our job to travel to meet each farmer on their land prior to the commencement of each loan. This builds trust and helps us get to know each borrower and their farming operation and forms an important part of our due diligence. We travel far and wide across Australia’s farming regions. Most banks and other lenders never bother to meet their clients.
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Yes 100%. It’s a great part of our job to travel to meet each farmer on their land prior to the commencement of each loan. This builds trust and helps us get to know each borrower and their farming operation and forms an important part of our due diligence. We travel far and wide across Australia’s farming regions. Most banks and other lenders never bother to meet their clients.
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Farm Visits
The gallery showcases our on-farm visits across Australia’s agricultural regions.
Building Trusted Relationships
Meeting farmers on their land prior to each loan. Nothing beats face to face.
Deep Sector Knowledge
Each farm visit further deeps our knowledge, experience and networks in the regions.
Committed to the Sector
Supporting the future of farming and agriculture in Australia.
Funding Aussie Farmers