Features & benefits

Enabling Australian farmers, producers and regional businesses to continuously progress by acquiring new and additional machinery.

  • Fund purchases cost-effectively with no deposit, no monthly fees or additional collateral
  • Finance new and used equipment in line with ATO effective life guidelines
  • No requirement for land ownership
  • Save money with an energy efficient equipment discount1
  • Flexibility to choose your own supplier and brand of equipment
  • From utes to harvesters, tractors to irrigators, we can finance almost any equipment you can put to work on the land

It’s simple & straightforward

  • Apply via your Relationship Manager, online or start the process over the phone by calling 1800 ASSETS (277 387)
  • Our streamlined application process often does not require full financials to be provided
  • Conditional approval in as little as 10 minutes online2
  • We’ll aim to get back to you within one business day
  • Once your application is approved, we'll arrange prompt payment to your supplier after you sign your agreement online.

Operate with peace of mind

  • Finance up to 100% of the cost, with no upfront deposit or monthly fees
  • Spread your repayments over the life of the equipment
  • Get a finance discount on energy efficient equipment1

Be prepared for the future

  • With a Master Limit, you could be pre-approved to fund new equipment up to a certain amount, whenever you need
  • Our end of finance term upgrade process is fast and simple
  • You might be able to get a tax deduction as it’s income generating equipment
  • Fund equipment in stages with an Equipment Construction Facility
  • See your agreements online through CommBiz

Finance we can offer

Equipment loan (chattel mortgage)

Our most popular finance option. You own the equipment and pay it off over time.

Hire purchase

You hire the equipment from the Bank while you pay it off.

Finance lease

You lease the equipment from the Bank with the option to own it later.

Master Limit

  • For businesses that regularly buy machinery
  • Get pre-approved for a Master Limit (from $100,000) helping you to buy as soon as you’re ready
  • Send us the invoice, we’ll pay the supplier on approval and your repayments will commence 

Energy Efficient Finance

  • Get a finance discount when you choose to finance energy efficient models1
  • Currently, there are 7 categories of equipment and over 700 cars that qualify
  • Save money on both energy and finance costs

Who can apply?

You can apply if your business:

  • Has a current ABN
  • Has been trading for more than 12 months
  • Has a good credit rating
  • Isn’t going through the process of bankruptcy

You can apply as an individual if you’re:

  • Aged 18 years or over
  • Eligible to work in Australia
  • An individual, sole trader, sole owner of your company or someone authorised to apply for finance and credit for a business
  • Financing equipment that will be used by a business (mostly or entirely for business purposes)

Apply in four easy steps


Get a quote online

We’ll give you a breakdown of the costs and interest. We'll need to know:

  • What you want to finance
  • How old it is
  • The finance amount
  • Any balloon or residual payment amount

Calculate online or talk with your CommBank Agri Relationship Manager. 


Simple application

Apply via your CommBank Agri Relationship Manager. Eligible CommBank customers can receive a conditional credit decision online.2


Sign your documents online

When your application is approved you can sign your finance agreement online using our SmartSign® paperless technology.


Get prompt funding after signing online

Leave the rest with us and we'll arrange prompt payment to your supplier after you sign your agreement online.

Things you should know

This information is current as at 1 July 2021 and is for general information purposes only. It has been prepared without considering your objectives, financial situation or needs. You should consider the appropriateness of this information to your circumstances before acting on it.

Credit provided by the Commonwealth Bank of Australia. These products are only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. You should view our current Terms and Conditions for Asset Finance and consider them before making any decision about these products. Rates are subject to change. Fees, charges, terms, conditions and lending criteria apply.

1The discount is for qualifying energy efficient vehicles and equipment, and applies to the rate you would normally have paid for the equipment you wish to finance.

2 You can apply for conditional approval in NetBank if you’re an existing CommBank business customer who is a sole trader or the single director of a company that has been operating for at least 12 months. Fees, charges, terms, conditions and lending criteria apply.