Lock in a competitive finance deal for your tractor
Finding a financial product that fits your needs should not feel like looking for a needle in a hay stack. At Savvy, we understand the need to find affordable agricultural equipment at an affordable price. Our experience in financing for tractors of all kinds will ensure that you get a personalised solution to make owning and operating a tractor easy and affordable.
Whether you're financing a utility tractor, specialty tractor, row crop tractors, or a 4WD track tractors, we're here to help. Get a free, no-obligation quote today!
Why compare commercial finance with Savvy?
It won't cost you a cent to compare a range of commercial finance options through Savvy, enabling you to come back at any time.
You can compare finance offers through a range of trusted Australian providers, giving you more confidence in the process.
You can fill out our simple online form and we'll get to work comparing offers from our commercial partners to find the best for your business.
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Your commercial finance options
WHAT OUR CUSTOMERS SAY ABOUT THEIR FINANCE EXPERIENCE
WHAT OUR CUSTOMERS ARE SAYING
Savvy is rated 4.9 for customer satisfaction by 93 customers.
How to apply for a commercial loan with Savvy
First of all, fill out our simple online application form. This will tell us details like what you want to buy, how much you need and your business’ structure, revenue and trading time.
We may require further information in some cases to verify parts of your application. If this is the case, we’ll ask you to submit additional documents via our online portal.
Once we get all the info we need, we’ll get to work comparing options from our lender panel. A member of our consultant team will give you a call to talk about your options.
After you give us the all-clear, we’ll get to work preparing your application to submit to your lender. This can be formally approved as soon as within 24 hours.
Once you receive approval, you’ll be sent all the required contracts and forms you’ll need to sign, which can be done electronically. We’ll handle settlement and the asset can be yours before you know it!
Commercial loan eligibility and documentation
You must be at least 18 years of age
You must be an Australian citizen or permanent resident (or, in some cases, an eligible visa holder)
Have an ABN registered in your name (available from as soon as one day after registration)
Meet commercial asset usage requirements (at least 51% of total usage)
You must meet your lender’s minimum personal and business credit score requirements
The asset you choose to buy must meet your lender’s requirements in relation to its type, age and condition
Such as your full name, date of birth, address and contact details
Front and back (or another form of government-issued ID)
Information about your business’ assets and liabilities, as well as those in your name
Information about your asset, including its model and age, is worthwhile having on hand
Business Activity Statements (BAS) and business bank statements may be requested, but not always
Common questions about tractor finance answered
Yes. We can offer solutions for both new and old businesses.
Yes. We can help businesses of all sizes with finance for an entire fleet of trucks, subject to meeting certain criteria. Ask your consultant for more.
Yes. We offer low doc loans for individuals and small businesses to get quicker access to financing.
This differs depending on the amount you want to borrow and the financing option you choose. However, you can speak to our consultants for more information. We have access to specialist calculators through our lenders to accurately indicate how much you'll be paying.
Many of the lenders we deal with offer products with flexible repayment terms that cater to seasonal and harvest-based agribusiness, so enquire with us today to see if your business qualifies for finance.
Yes. At Savvy we provide financing designed for people who have bad credit.
Yes. We offer financing options that allow you to start off with low repayment costs and moving the residual to the end of the loan term. You can contact our team of consultants that will walk you through the benefits and implication of this option.
Not all financing options will allow you to own the equipment outright. Some might come with terms such as paying off the residual in full in order to get ownership of your equipment. Other options such as finance lease mean that the lender will take ownership of the tractor and rent it out to you until the end of the loan term. Before agreeing to any terms, you will have to ask about ownership rights to see if the loan is tailor-made for you.