Agribusiness Finance
UNDERSTANDING LIFE ON THE LAND
Specialised advice and solutions
A vital cornerstone of the agricultural industry, encompassing a suite of financial services uniquely designed to support farmers and agricultural enterprises. This specialised form of finance addresses the unique challenges and opportunities within the agricultural sector, offering tailored solutions for purchasing equipment, acquiring land, managing cash flow, and expanding operations.
With a deep understanding of the cyclical nature of farming and the inherent risks involved, our agribusiness finance experts collaborate closely with clients to develop financial strategies that align with their specific needs and long-term goals. In this dynamic field, agribusiness finance serves as a lifeline, empowering communities to not only thrive in their operations but also contribute to food security and economic development on a larger scale.
Featured Solutions
Agricultural equipment financing
Funding for purchasing or leasing farm machinery, vehicles, and equipment necessary for efficient agricultural operations.
Crop financing
Seasonal loans to cover costs related to planting, cultivating, and harvesting crops, including seeds, fertilisers, and labour.
Livestock financing
Funds for purchasing livestock, feed, and other supplies needed for animal husbandry.
Land acquisition loans
Assisting in the purchase or expansion of farmland to support increased production or diversification.
HOW WE WORK
Your Business, Agribusiness and Commercial Finance Specialist
Bertie’s agricultural background and banking experience ensures you get the best possible lending terms tailored to your requirements. As a qualified and accredited Finance Broker & Credit Adviser you can be assured of quality advice and excellent service.
Consultation & analysis
Step 1: Initial consultation
Initial consultation can be either in person, by phone or video call.Step 2: Business and financial analysis
Once we receive the required information we will complete an initial business and financial analysis. The information we require varies depending on your situation but generally includes financials, statement of assets and liabilities, profit and loss statement, tax portals and may also include existing lending documentation, a cashflow budget and other information. Following our analysis we will contact you to discuss your situation further.Engagement
Step 3: Engagement of our Services
We disclose engagement fees payable before you make any commitment (generally your chosen lender will pay some or most of our fees following successful settlement of finance). Our service is to get you the best possible finance products and terms.Proposal
Step 4: Funding proposal
We professionally prepare a finance tender package (that captures the potential of your business and financial position) for a panel of banks.Step 5: Present to banks
We present banks / lenders the opportunity to compete for your business.Step 6: Compare bank offers
We compare and analyse the funding offers received and present them to you to discuss them in detail and select your preference. On some occasions we may conduct further negotiations on your behalf.Acceptance
Step 7: Loan acceptance
Following the acceptance of your preferred funding offer we arrange finance approval and loan documents for you to sign.Step 8: Settlement and establishment of facilities
We follow through to settlement (and beyond) to ensure your facilities are set up to your satisfaction.Ongoing support
Step 9: Ongoing reviews
We offer an ongoing review service to ensure you continue to receive the best finance products and terms as well as providing you with ongoing advice as you require.
CASE STUDIES
Strategic Finance Facilitating Agricultural Expansion with Significant Savings
CLIENT BACKGROUND
A thriving farming enterprise envisioned expanding their operations by acquiring an additional rural property. With a loan requirement of $4.3 million, the challenge was twofold: first, structuring the finance in a way that accommodated the bank’s LVR requirements; and second, optimising the interest rate to ensure long-term profitability.
SOLUTION
Understanding the unique requirements of the agricultural client, we designed a strategic approach. Given the client’s desire to use their SMSF to purchase a portion of the property, we devised a solution that allowed them to meet the bank’s LVR criteria. This innovative approach maximised the use of available resources while still complying with the bank’s regulations. In pursuit of the best financing terms, we engaged in proactive negotiations with various lenders. Our expertise in agricultural finance and our strong relationships within the banking sector played a pivotal role in securing a lower interest rate than initially offered, resulting in significant annual savings for our client.
RESULTS
Our meticulous planning and negotiation efforts culminated in the successful approval of the $4.3 million loan. What’s more, the approved interest rate was lower than the original proposal. This victory translated into an annual saving of $8,600 for our client, illustrating the tangible benefits of securing more favourable finance terms.
CONCLUSION
Our tailored approach not only navigated the complexity of SMSF involvement but also delivered substantial savings through favourable interest rates. By optimising finance and facilitating the acquisition of the rural property, we not only supported our client’s immediate growth but also paved the way for sustainable long-term success. This case reinforces the critical role of financial expertise in harnessing opportunities and translating them into prosperous outcomes within the agricultural sector.
HERE'S WHAT OUR CLIENTS HAVE TO SAY
Stanley Finance had the expertise I was looking for to get the job done with as stress free and hassle on me as possible. Even though I have a background in finance it was nice having someone I trusted to be able to get the job and worry for me. Made the whole process so much easier thank you.
Felicity Wheelwright
Roslyn Estate
We greatly appreciate Bertie’s attention to detail. He ensured we got the best deal, following up and keeping the lines of communication open between all parties. We are happy with our decision to do business with Stanley Finance.
Stephen & Vanessa Creed
Creed Cattle
Overall, Bertie is on the job immediately. Communication and Explanation is excellent. Bertie is very competent dealing with finance matters. It is a pleasure to deal with him.
David & Virginia
Very professional, excellent attention to detail and look mainly at the interests of their customers. Well done Team Stanley Finance!
Tinos & Lilian Mutyiri