Agricultural finance for farms and agribusiness, arranged through private credit.
Agricultural finance in Australia is dominated by a small group of agricultural banking specialists whose credit calendars rarely match a season, a stock purchase or an auction date. Envision Private arranges private credit facilities secured by Australian rural and agribusiness real property — grazing and cropping country, irrigated holdings, orchards, feedlots, packing and processing sheds, and rural-residential holdings. Facilities are arranged on behalf of wholesale investors, sophisticated investors and family offices. Every facility is business or investment purpose only, and we are not an NCCP-regulated lender.
When it makes sense
- Buying adjoining or neighbouring country before a bank credit decision lands
- Bridging a seasonal cash-flow gap between planting and harvest receipts
- Funding a stock, plant or irrigation purchase against land equity
- Refinancing an agricultural banking facility that will not be renewed at term
- Succession, estate or family restructures across rural title
- Releasing equity for off-farm investment or diversification
Indicative loan parameters
| Security | Australian rural, agribusiness and rural-residential real property |
| Loan size | $250,000 – $20,000,000+ |
| Ranking | 1st or 2nd mortgage, or caveat |
| LVR | Up to ~65% of rural land value, asset dependent |
| Term | 3 – 24 months, business and investment purpose only |
| Assessment | Land value, operator track record and exit strategy |
How the process works
- Deal snapshot — holding, location, title particulars, existing debt and purpose.
- Indicative terms — written pricing and conditions within 24 hours.
- Valuation — independent rural valuation from a panel valuer.
- Legals — security documentation and mortgage or caveat preparation.
- Settlement — security registered and funds advanced.