The speed made all the difference. I needed to lock in fertiliser before prices jumped, and they had funds to my supplier in under 24 hours. Traditional lenders would have taken weeks.
For Australian Farmers
Working Capital That Works With Your Season
Bridge the gap between farm expenses and harvest income with flexible credit designed for the rhythm of Australian agriculture.
Limits up to $2M
24-Hour Approval
Pay Suppliers Direct
We Understand Farming Cash Flow
Running a farm means managing income that arrives at harvest while expenses never stop. We've built a solution for exactly that challenge.
The Cash Flow Challenge
- Input costs rise while waiting months for harvest income
- Supplier terms don't align with seasonal revenue cycles
- Traditional bank loans are slow and inflexible
- Missed opportunities when capital isn't available quickly
The RuralPay Solution
- Access funds when you need them, repay when you sell
- Direct supplier payments with same-day settlement
- Simple online portal—no branch visits required
- Decisions in 24–48 hours, not weeks
Repayment Estimator
See what your facility could cost—no commitment, just clarity
$250,000
$50,000
$2,000,000
Principal
$250,000
Est. Interest (PIK)
$12,488
Drawdown Fee (1%)
$2,500
Estimated Total Repayment
$264,988
Disclaimer: This calculator provides estimates only and does not
constitute a quote or offer of credit. Actual rates, fees, and terms will be
determined upon application and are subject to our credit assessment criteria.
Interest shown is indicative only. All applications are subject to approval.
Built for Australian Agriculture
Every feature designed around how farms actually operate—seasonal, unpredictable, and always moving forward.
Flexible Drawdowns
Draw funds as you need them throughout the season. Upload an invoice, and we pay your supplier directly—no carrying costs on unused credit.
Seasonal Repayments
Choose 6 or 12-month terms that align with your harvest cycle. Interest accrues during the season, with a single repayment at term end.
Quick Approval
Apply online and receive your credit decision within 24–48 hours. No long waits or endless paperwork when time matters.
Direct Supplier Payment
Funds go straight to your suppliers. Maintain strong relationships and potentially negotiate early-payment discounts.
Simple Online Portal
Manage everything from your computer or phone. Upload invoices, track payments, and view your facility 24/7—wherever you are.
Transparent Pricing
Clear, competitive rates with no hidden fees. You'll know exactly what you're paying before you draw a single dollar.
How It Works
From application to supplier payment in four simple steps. We've stripped away the complexity so you can focus on farming.
Apply Online
Complete our straightforward application with basic business and farming operation details.
~15 minutesGet Approved
Our team reviews your application and provides a credit decision. Once approved, your facility is ready.
24–48 hoursUpload Invoices
When you need to pay a supplier, simply upload their invoice through our secure portal.
~2 minutesSupplier Gets Paid
We settle the funds directly to your supplier within 24 hours, 7 days a week.
Same dayEligibility Requirements
We've designed our facility to be accessible to genuine Australian farming operations. Here's what we look for.
Australian Business
Active ABN registered for GST
Farming Enterprise
Cropping, livestock, or mixed farming operation
Trading History
Minimum 12 months with documented revenue
Security Package
General security deed and director guarantees
Australian Operations
Primary farming operations in Australia
Standard Documentation
Recent financials and director identification
Trusted by Australian Farmers
See why farming operations across Australia choose RuralPay for their working capital needs.
Finally, a lender that understands farming isn't a 9-to-5 with monthly income. The seasonal repayment structure means I'm not stressed about payments when cash flow is tight.
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Frequently Asked Questions
Straightforward answers to common questions. Can't find what you're looking for? Get in touch.
Facility limits range up to $2 million, depending on your operation type and security package. Cropping operations may access different limits than livestock operations. We'll work with you to determine the right facility size during application.
Initial credit decisions are typically provided within 24–48 hours. Once your facility is approved, drawdowns are processed and paid to your supplier within 24 hours, 7 days a week.
Our standard security package includes a general security deed over business assets and director guarantees (which may include the right to caveat). For livestock operations, we may also require a direction to pay arrangement on the sale of stock.
You choose either a 6-month or 12-month term. Interest accrues on drawn funds and is capitalised. At term end, you make a single bullet repayment of principal plus accrued interest—timed for when your income arrives.
No. You only pay for what you draw. There are no ongoing fees or carrying costs for undrawn credit—your approved limit sits ready when you need it.
You'll need recent business financials (typically last 2 years), identification documents for directors, details of your farming operation, and information about existing finance arrangements.
Start Your Application
Tell us about your needs and we'll be in touch within one business day.