Why I built AgriBroker
“I spent 24 years inside banking. I watched good farmers get knocked back because the lender didn’t understand their operation. Then I bought my own avocado grove. That changed everything.”
After two decades financing agriculture from inside the banks, I saw too many genuine operators miss out – not because their business didn’t stack up, but because the lender couldn’t read it. Becoming a broker changed the equation. Now I work for the farmer, not the bank.
And buying our own avocado orchard in Sunraysia wasn’t just a lifestyle decision. It means I understand drip lines, harvest timing, pack rates, and crop risk the same way you do. That credibility opens doors with specialist lenders that generalists simply can’t access.
Call Adrian – 0494 578 218No obligation. Most questions answered in one call.
Who this is for
Specialist horticulture, permanent plantings, intensive ag, and broadacre.
What we do
Buying more land or starting a new planting
Your next step needs a specialist
Establishment & DevelopmentThe irrigation upgrade you keep putting off
Water and infrastructure finance
Water & IrrigationYour current debt is costing you
Refinance on terms that suit farming
Refinance & Working CapitalNew machinery, sheds, or cold storage
Equipment finance for ag operations
Infrastructure & EquipmentHow it works
Call Adrian
One conversation to understand your operation, your goals, and your timeline. Free, no obligation. Most questions answered in that first call. We work out if we are a good fit for each other early.
We build your case
Adrian structures your finance position across the right lenders including scenario modelling for seasonal variability. You get a clear picture before anything goes to a lender. Up until this point there is no obligation and no cost.
Engagement
You get back to growing. Once you are happy to proceed, you sign up for Engagement and Mandate. This has a small Engagement Fee payable upfront. Adrian then handles the lender relationship and negotiations from application right through to settlement, keeping you informed without drowning you in paperwork.
Your bank doesn’t understand your operation. Here’s what they keep getting wrong and what this Agri Broker does differently.
“Still waiting on a callback?”
Banks don’t prioritise ag clients. This Agri Broker does. You get a real person, every time.
“New manager. Again.”
Starting from scratch every time costs you deals. One broker. One relationship. Every deal.
“They said you’re too risky.”
They don’t understand your trees, your timeline, your industry. This Agri Broker does.
“They said no.”
A specialist sees what a generalist bank can’t. Call Adrian and see how this Agri Broker negotiates for better outcomes.
Ready to talk? Adrian picks up.
Call 0494 578 218No obligation. Most questions answered in one call.
“Here’s what I know — and why it matters to your operation.”
Commodity trends, cash flow drivers, pack rates, market insights. An Agri Broker reads industry data and trends and knows what it means for your operation on the ground.
Permanent entitlements, temporary allocations, delivery risk, price risk. An Agri Broker understands how water markets relate to production, financial risk and the impact on cash flow and profitability.
Global competition, commodity cycles, seasonal and climate events. An Agri Broker knows how each one shapes your finance risk and how to explain it to lenders in ways they can understand.
I’m on your side. Your deal is structured around your unique operation. An Agri Broker can help lenders adapt their credit models to match your business, not the other way around.
What separates a specialist from a generalist isn’t effort – it’s knowledge.
| A generalist approach | The Agri Broker approach |
|---|---|
| ✗ Finance structured around standard credit templates | Finance structured around your crop cycle, establishment timeline and seasonal cash flow |
| ✗ Establishment periods assessed as an income gap | Year one trees don’t produce income – your finance structure is built to reflect that from day one |
| ✗ Water entitlements assessed like property or equipment | Water is a complex, specialist asset class – valued, risk-assessed and presented to lenders accordingly |
| ✗ Your context is rebuilt each time with a new contact | One broker across every deal – your operation is already understood before the first call |
| ✗ Presented for assessment and hope for the best | Matched to lenders with specialist agribusiness credit teams who understand your industry |
Ready to talk? Adrian picks up.
Call 0494 578 218No obligation. Most questions answered in one call.
The answers are never quite complete – because every operation is different.
How do I finance water entitlements?
Water entitlements are one of the more complex assets to finance, because lenders assess them very differently to property or equipment. The key factors are the entitlement class, its reliability zone, current market value and how it sits within your broader operation. There are lenders who understand water assets well – the challenge is knowing which ones, and how to present your position in a way that gives them confidence. The structure of your water finance can also affect your overall borrowing capacity, so getting it right early matters more than most people realise.
Can I get finance during an establishment period?
Yes – but how your deal is structured and presented makes an enormous difference. Lenders need to understand that year one of an avocado or almond orchard produces no income, and that this is a timeline, not a risk. The key is presenting your establishment budget, projected yield curves and cash flow modelling in language that a credit assessor can follow and a credit committee can approve. Most generalist brokers struggle here because they have never had to explain it before. This Agri Broker has.
Hardie Finance Group Pty Ltd ACN 691 132 751 as trustee for Hardie Finance Group Trust ABN 96 909 480 450. Credit Representative 575775 is authorised under Australian Credit Licence 389328 held by Connective Broker Services Pty Ltd. MFAA Member #856566 | AFCA Member #119660.
Your full financial needs and requirements must be assessed prior to any offer or acceptance of a loan product.
© 2026 AgriBroker.com.au. A service of Hardie Finance Group Pty Ltd.
MFAA Member #856566 · AFCA Member #119660
