Horticulture Finance Broker Specialist
For Agri Finance, nothing beats this Agri Broker. The broker who grows too.
Specialist horticulture, permanent plantings, intensive ag and broadacre. From an active Sunraysia grower who knows both sides of the table.
Why I built AgriBroker
I worked for the banks. Now I work for you.
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.
No obligation. Most questions answered in one call.
Who this is for
If you grow it, we finance it.
Specialist horticulture, permanent plantings, intensive ag, and broadacre. Across the Murray, Riverland, Riverina, Goulburn Valley and Australia wide.
Avocado
Citrus
Almonds
Table Grapes
Wine Grapes
Pistachios & Tree NutsWhat we do
Whatever the deal, we can structure it.
Establishment & Development
Buying more land or starting a new planting. Your next step needs a specialist.
Water & Irrigation
The irrigation upgrade you keep putting off. Water and infrastructure finance.
Refinance & Working Capital
Your current debt is costing you. Refinance on terms that suit farming.
Infrastructure & Equipment
New machinery, sheds, or cold storage. Equipment finance for ag operations.
How it works
Three steps, and you’re back to farming.
Call Adrian
One conversation to understand your operation, your goals, and your timeline. Complimentary, 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.
Engagement
You get back to growing. Once you are happy to proceed, you sign up for Engagement and Mandate. This has an 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.
Sound familiar?
Why Your Bank Keeps Letting You Down
Your bank doesn’t understand your operation. Here’s what they keep getting wrong, and what this Agri Broker does differently. Tap a card.
“Still waiting on a callback?”
Tap to see the difference
Banks don’t prioritise ag clients. This Agri Broker does. You get a real person, every time.
“New manager. Again.”
Tap to see the difference
Starting from scratch every time costs you deals. One broker. One relationship. Every deal.
“They said you’re too risky.”
Tap to see the difference
They don’t understand your trees, your timeline, your industry. This Agri Broker does.
“They said no.”
Tap to see the difference
A specialist sees what a generalist bank can’t. Call Adrian and see how this Agri Broker negotiates.
About this Agri Broker
Here’s what I know, and why it matters to your operation.
Industry Knowledge & Analytics
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.
Water Markets
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.
Economic & Weather Intelligence
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.
Customer Advocate
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.
The specialist difference
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 |
FAQ
Questions Worth Asking
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.
Prefer a callback?
Tell us what you’re working on.
Adrian will call you back, usually the same day.