Farm Management Deposits
Eligible primary producers can set aside pre-tax income in good years and draw on it in lean ones, smoothing tax and cash flow across the seasons.
Services in Australia
Finance
Finance that fits the farm.
How REALM helps
Understand your options for equipment, land and working capital, and connect with finance professionals who know agriculture.
Plain-English guides in the newsletter
Short explainers on equipment finance, leasing, land loans and working capital: what the terms mean and what lenders usually look for.
Introductions to finance partners
Tell us what you are trying to fund and we can put you in touch with finance professionals who understand farming. Any arrangement is between you and them.
Seasonal cash-flow tips
Practical ideas for planning around harvest, sale and input-cost cycles, so the lean months are easier to manage.
REALM does not provide credit or financial advice. Loan applications are made with and handled by Pay In Time Finance.
Talk to a real person
Call 0419 182 804 or email support@realmgroupglobal.org.
Mon–Fri, 9am–5pm Melbourne time (AEST/AEDT)
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Call 0419 182 804 · support@realmgroupglobal.org
This season · Spring (September to November)
Finance: what’s on this spring
- Map out cash flow to harvest or the next big sale, so you know when the lean weeks are coming. Your accountant or a rural financial counsellor can help.Rural Financial Counselling Service (official site, opens in a new tab)
- Free, independent money tools and guides for everyday finances.Moneysmart (official site, opens in a new tab)
Coming up next: summer (December to February)
- Harvest and sale income lands for many farms in summer. Talk to your accountant about how to set some aside for a poor season.
- Long weekends and the Christmas break can slow payments: check bank and public holiday dates in your state.Public holidays by state
Up north it’s the dry season (about May to October). Timing varies a lot by district and year, so go by your own country and the local forecast. Seasons in each state
Doing it in Australia
Farm finance in Australia
Government schemes built for farm businesses, and free independent help, sit alongside what banks and lenders offer.
Government farm loans
The Regional Investment Corporation offers Australian Government loans for farm businesses, such as drought and new-farmer loans. Check the current loan products and eligibility on its site.
Free, independent counselling
The Rural Financial Counselling Service helps farmers doing it tough understand their options and talk to lenders. It is free and confidential.
Compare before you sign
ASIC’s Moneysmart explains loans, leases and interest in plain English, and how to check that a lender or broker holds an Australian credit licence.
General information only, not legal, tax or financial advice. Rules differ between states and change over time, so check the official site before you act. These organisations are independent and are not REALM partners. Links checked 07/10/2026.
Our sister brand
Ready to apply? Pay In Time Finance
Pay In Time Finance is part of the REALM family. Apply online for equipment, machinery, land or working-capital finance, or tell their team what you need first.
You will leave the REALM website. Applications are assessed by Pay In Time Finance, not REALM.
What you can fund
Equipment & machinery
Tractors, harvesters and other gear can be bought outright, leased or financed. Our guides explain the trade-offs so you can compare options with confidence.
Land & property
Buying, expanding or refinancing a farm is a long-term commitment. Learn the questions worth asking before you sit down with a lender.
Working capital
Farm income arrives in waves. Understand the ways to cover seed, fertiliser, fuel and wages between harvests without over-stretching.
Good to know
Common questions about finance
Quick answers from our FAQ. Still stuck? Ask the Chat Assistant or give us a call.
Do you offer finance?
Yes, through our sister brand Pay In Time Finance: you can apply online for equipment, machinery, land or working-capital finance on their website. We also share plain-English finance guides in the newsletter. REALM itself does not give credit or financial advice. Apply with Pay In Time Finance →
Is membership free?
Yes. Joining REALM is free. One free REALM account lets you read the Newsletter, talk farming on REALM Connect and list items on the marketplace.
How do I contact REALM?
Call 0419 182 804, email support@realmgroupglobal.org or use the contact form. Contact us →
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Hay, feed, seed and produce, plus practical growing advice.
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