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Tractor & Machinery Finance
Finance for tractors, harvesters, headers, balers, sprayers, and all primary production machinery. Structured repayments to align with your harvest season or enterprise cash flow.
Sector Finance · Broker
Agricultural Finance Mackay & Queensland
Flexible farm equipment finance and seasonal lending structures for graziers, cane farmers, horticulture operations, and mixed-enterprise producers across Queensland.
About this finance
Queensland agriculture runs on equipment — and equipment runs on finance. From sugarcane harvesters to beef cattle handling systems, the right finance structure protects your cash flow through the seasons while keeping your operation competitive. Loxent Finance works with primary producers across Mackay, the Pioneer Valley, Whitsundays, and beyond to structure agricultural finance that fits how farming actually works: irregular income, capital-intensive assets, and long investment horizons.
Finance products
The right structure for your situation.
We match you to the product that fits your tax position and cash flow — not the first lender that says yes.
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Seasonal Structured Repayments
Repayment schedules designed around your enterprise — bulk payments at harvest or sale time, lower payments during off-season. We build the structure around your income cycle, not the bank's.
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Irrigation & Infrastructure Finance
Finance for irrigation pivots, pump systems, drip infrastructure, and water storage. Long-term structures available to match the extended productive life of permanent infrastructure.
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Livestock Finance
Cattle, sheep, and other livestock finance for restocking, backgrounding, and herd expansion. Structured to align with turn-off schedules and seasonal sale events.
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Agribusiness Working Capital
Short-term facilities for seasonal inputs, crop chemicals, fuel, and operational expenses. Bridge the gap between outlay and income without drawing on long-term lending.
Why Loxent
What makes the difference.
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Seasonal Finance Structures
We build repayment schedules around your income cycle — not the lender's. Bulk repayments at harvest, lower payments in the off-season. Finance that respects how agriculture works.
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Local Primary Production Knowledge
We understand cane farming, beef cattle, horticulture, and mixed enterprises. We speak your language and present your application in a way lenders understand.
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40+ Agri-Friendly Lenders
Access to lenders with genuine appetite for primary production — including specialist rural lenders who aren't accessible without a broker.
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End-to-End Support
From first enquiry to settlement and beyond. We manage the paperwork, chase the lenders, and keep you updated so you can focus on the farm.
Ready for a quote?
First call costs nothing. Tell us what you're financing and we'll come back with options.
Common questions
Questions we hear most.
Can I get tractor finance in Mackay with irregular income?
Yes. Agricultural lenders understand that primary production income isn't monthly — it follows harvest cycles, sale events, and seasonal patterns. We work with lenders who assess rural borrowers based on enterprise viability and asset equity, not just regular payslips. We'll help you present your financials in the most favourable light.
What agricultural equipment can be financed in Queensland?
Virtually all primary production equipment is financeable: tractors, harvesters, cane bins, hay balers, spray rigs, quad bikes and side-by-sides, irrigation systems, grain augers, shearing equipment, livestock handling systems, and more. We can also finance permanent improvements like water infrastructure and shade houses.
How does seasonal farm equipment finance work?
Seasonal finance structures allow you to make larger repayments when you have cash (post-harvest or after a sale event) and smaller or interest-only payments during low-income periods. This protects your operating cash flow and reduces the risk of cash shortfalls. We design these structures in consultation with you and your accountant.
Is livestock considered an asset for finance purposes?
Yes. Quality cattle herds and other livestock can be financed through specialist rural lenders. The structure, LVR, and documentation requirements differ from hard-asset lending, but it is absolutely achievable — particularly for established producers with a clear enterprise record.
How long does agricultural finance approval take in Queensland?
Simple equipment applications (tractor, machinery) with standard documentation typically achieve approval in 2–5 business days. More complex rural finance applications — particularly those involving seasonal income or livestock — may take 5–10 business days depending on the lender. We'll give you a clear timeline at the start of the process.