Borrowing money

Irregular cash flow is one of the many challenges farmers face in running a business from the land and this can have a significant impact on your working capital.

To help take the worry out of fluctuating finances, we offer a range of flexible cash flow management products.

‘Interest-only’ facilities
Our Agribusiness line of credit gives you the option to have interest charged monthly, quarterly, semi-annually or annually (subject to approval and conditions). This revolving line of credit facility has no set term and allows you to capitalise interest for up to two years (subject to approval and conditions).

We offer interest-only facilities (subject to approval), with overall loan terms of up to 30 years. A redraw option is available on our BetterBusiness Loans. We are prepared to consider payment re-structuring if circumstances warrant this (subject to approval).

Cash flow management
The Commonwealth Bank business card and the business overdraft are borrowing options that allow for fluctuating cash flows.

These products let you structure your borrowings so that you only pay interest on funds you have drawn down.

Vehicle and equipment finance
Equipment finance can be a tax-effective way to finance your vehicles and equipment. It can also help you plan your cash flow more accurately.

• Important information about advice
  As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. View our Financial Services Guide (PDF 59kb).
  
  Other important information
  Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Bank fees and charges are payable.