If you are a farmer, agribusiness or regional enterprise seeking senior secured finance for growth, refinancing, succession, development or working capital, Harvest Bridge is here to help.
Finance solutions for growing operators
WHERE WE FIT
Harvest Bridge Solutions
Harvest Bridge works with capable operators whose requirements sit outside standard bank lending parameters. You may find us helpful if:
You are seeking to consolidate several facilities into a single, senior-secured structure
You are developing or improving farming or related assets
You are funding an acquisition and want to borrow against assets rather than sell down productive holdings
You need working capital or bridging finance to manage timing across seasons
You are succession planning and need capital to support a generational transition
You need a structure that is non-standard for a traditional bank, though your operation is sound
HOW IT WORKS
Harvest Bridge Solutions
The process is a guide only. Timing depends on the opportunity, and every facility remains subject to assessment, credit approval and documentation.
Initial Assessment
01.
We work through the initial detail with you including financials, security, valuation and the agricultural context of the enterprise. We meet the people, see the farm. This process is designed to provide you with a fast decision on whether the loan can progress to formal credit approval
Credit approval and terms
02.
Opportunities progressing from Initial Assessment are considered by our independent credit and investment committees for final approval. Indicative terms are prepared
Documentation and settlement
03.
On agreement, the facility is legally documented and the loan settled
Ongoing management
04.
Facility moves into ongoing management and compliance monitoring
TO BEGIN
Helpful information for our initial conversation
You do not need everything ready to make a starting enquiry. The following will help us make an Initial Assessment.
Help us understand your enterprise / operation
A short overview of what you do, you're location, and the scale of your operation is all we need to start the conversation
Existing facilities
High-level summary of current lenders, balances and any timing issues or other relevant information you can share
Use of funds
How you are looking to utilise the capital and the amount you are seeking
Current financial position
Recent performance and the outlook for the operation, including a rough idea of assets and liabilities
Proposed security profile
Property and other assets you intend to offer as security, with indicative values
Your intended timeframe
When you are ideally looking to settle, if there is a date in mind we can look to work toward that with you
WORKING WITH HARVEST BRIDGE
A lender that understands agriculture
Regional expertise
Decisions informed by genuine agricultural and regional experience, with a team that understands operating agricultural assets and businesses
Prudent security buffers
Sensible lending values and structure so your facility is sustainable and resilient through seasons and cycles
Support for the long term
Funding that supports growth, productivity improvements, retention and intergenerational succession
Working together
Regional experience. We understand the distances and the demands of Australian agriculture.