Senior secured finance, fit for purpose
For proven operators and regional enterprises ready to grow, Harvest Bridge offers senior secured agricultural finance shaped around your operation
FINANCE PARAMATERS AT A GLANCE*
$1,000,000
MIN. LOAN SIZE
Up to 3 years
TERM
Up to 70%
INDICATIVE LVR*
Senior, first mortgage
SECURITY
*Indicative only. Subject to assessment and approval.
INDICATIVE FINANCE PARAMETRES
A clear starting point
LOAN TYPE
Private senior debt, First or second ranking mortgage
LOAN SIZE
From $1,000,000 (smaller loans may be considered by exception)
TERM
Up to 3 years
SECURITY
Senior secured over property and related real assets
INDICATIVE LVR*
Up to 70%
Loans priced to the risk and structure of each facility.
Parameters are indicative only. All finance is subject to assessment, credit approval and documentation.
*Indicative only. Subject to assessment and approval.
ELIGIBLITY
Harvest Bridge focuses on proven rural and regional operators with quality security seeking to undertake expansion, productivity improvement activity and succession transactions
Can we help?
Borrowers we support
Indicative, not exhaustive
Family farming enterprises and broadacre operations
Irrigation operations and agricultural producers
Regional agribusinesses across the value chain
Food and fibre production and related businesses
Regional businesses with agriculture-dependent revenue
How we qualify a loan
What we look for
A proven, experienced operator behind the enterprise
A viable operation with a clear purpose for the funds
Security/collateral of appropriate quality and value
A realistic serviceability timeline and exit position
A structure that can be appropriately documented
FINANCE PURPOSES
Senior secured finance for a range of productive needs
Growth and productivity
01.
Capital to improve productivity and support long-term sustainability and resilience
Acquisition
02.
Facilitate the purchase of agricultural real estate
Agricultural development and improvement
03.
Funding development and improvement on agricultural assets
Refinance
04.
Refinance existing agricultural real estate loans into a suitable, more efficient structure
Succession
05.
Support the transition of farmland and regional enterprises to the next generation
Working capital and bridging
06.
Meet operating cash flow requirements and manage timing between funding stages
SECURITY CONSIDERED
Whole of enterprise view of security
Harvest Bridge looks beyond a single asset to the overall productive base of an operation. Alongside first mortgages over real estate, the following may be considered in the first ranking security pool.
Agricultural real estate
Farmland and related enterprise property
Water entitlements
Water rights considered as part of the whole of farm position
Livestock and crops
Productive livestock and crops where appropriate to the structure
Plant and equipment
Operational plant and equipment supporting the enterprise
ACCUs and carbon rights
Australian Carbon Credit Units where relevant to value and cash flow.
Off-farm and related assets
Additional assets and personal guarantees considered case by case
ASSESSMENT CRITERIA
Harvest Bridge loan facility assessment
Serviceability
01.
Interest cover and cash flow considered across seasonal and business cycles, with prudent buffers
Security and lending value
02.
Independent asset valuations, conservative lending values and first-ranking security assessed across the whole enterprise
Season and climate
03.
Regional conditions and diversification considered so a facility can support resilience through cycles
Exit and refinance
04.
A realistic exit or refinance strategy, supported by the strength of the operation and its security
Institutional Governance
05.
Every facility is considered through independent credit and investment committees
PLEASE CONSIDER
Information is Indicative, and subject to individual assessment.
All parameters shown are indicative and are confirmed during assessment
All finance is subject to assessment, credit approval and documentation
Nothing on this page guarantees approval, availability, timing or any commercial outcome
Every opportunity is considered individually against Harvest Bridge's lending criteria
START A CONVERSATION
Discuss a finance solution with Harvest Bridge
Whether you are an operator seeking capital or a broker with a client opportunity, a member of the team will talk it through with you