Agribusiness loans for Australian farmers and SMEs

Your farming operation deserves accessible finance, tailored to your unique needs. Learn how a Spotcap agribusiness loan can help your business

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Versatile agribusiness loans and finance in Australia

Australian farmers produce almost 93 per cent of Australia’s daily domestic food supply and export 60 per cent (in volume) of total agricultural production. These big numbers highlight the importance of agribusiness in our economy.

The agricultural supply chain, including the affiliated food and fibre industries, provides over 1.6 million jobs to the Australian economy. Farmers are also at the frontline of delivering environmental outcomes on behalf of Australians, with 94 percent of farmers actively undertaking natural resource management.

It’s no surprise that agribusiness loans are fundamental to the ongoing success of this sector of the economy.

Versatile agribusiness loans and finance in Australia

Australian farmers produce almost 93 per cent of Australia’s daily domestic food supply and export 60 per cent (in volume) of total agricultural production. These big numbers highlight the importance of agribusiness in our economy.

The agricultural supply chain, including the affiliated food and fibre industries, provides over 1.6 million jobs to the Australian economy. Farmers are also at the frontline of delivering environmental outcomes on behalf of Australians, with 94 percent of farmers actively undertaking natural resource management.

It’s no surprise that agribusiness loans are fundamental to the ongoing success of this sector of the economy.

How can agribusiness finance work for me?

Over the past 200 years, Australian farmers have displayed resilience in the face of adversity. They have overcome many challenges, such as feral animals, overgrazing and accessing fresh water during droughts.

One continuing challenge is access to flexible, cost-effective finance. This is where a Spotcap loan can help: our agribusiness loan solution is designed to be a versatile finance arrangement ideal for farmers.

Our loan begins as a credit line, which you can access when your loan application is approved. You choose to draw down funds as you require them and you can make early repayments without penalty. Our finance is built around flexibility.

How can unsecured finance help my agribusiness?

  • Improve operational efficiencies

    There’s always scope to boost productivity, either by working faster or smarter. Taking out a loan can give you the cash required to develop more efficient ways of working in order to achieve efficiency gains

  • Invest in innovation

    Keep your business one step ahead by using the latest tools and processes. An agribusiness loan can provide the funds you need to research and adopt the latest best practices and experiment with new ideas

  • Finance day-to-day operations

    Use finance to improve the management of your cashflow and through that, the overall operation of your farming business. Having additional cash available means your business can keep moving forward

  • Enjoy peace of mind

    A Spotcap agribusiness loan can help you escape the worry of not having enough cash to make essential payments. Having the funds available to meet your commitments will help your operation run more smoothly

  • Provide essential working capital

    Seasonal fluctuations in your bank balance can give you a problem, particularly when you’re looking to invest for the year ahead. This is where finance can make a real difference by supplying the funds you need to prepare for the next season

Key facts about Spotcap agribusiness finance

Loan amount

We help businesses by lending amounts of between $5k and $250k

Loan terms

A Spotcap loan starts as a line of credit. You draw down funds as and when you need them. These withdrawals become loans, usually repayable over 6 to 12 months

Criteria to qualify

Our basic eligibility requirements are: your business must be registered and based in Australia with a turnover of at least $200k, have an Australian online bank account, and have been operating for at least 18 months

Interest rates

Our business loan calculator can help you estimate interest costs and monthly repayments. The rate on your loan will depend on market conditions and your recent business performance

Spotcap calculator

  • Amount
    $ 125,000
  • Time
    9 months

$14,951

Monthly repayment

For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Monthly repayment

$14,951

  • Amount
    $ 125,000
  • Time
    9 months
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

How to apply for agribusiness finance from Spotcap

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Sign up

We need basic personal and business information to initiate the application process

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Complete the application

To complete your application, upload your bank statements and submit your financial reports, either by uploading them or linking your accounting software

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Get approval

Once approved for a business loan, you will normally be able to access funds within one working day