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.
Services
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.
Handy tool: own or hire? What the machine really costs a hectare
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www.realmgroupglobal.org/services/finance
Call 0419 182 804 · [email protected]
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
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.
How much would the repayments be on a loan?
Use our free Loan repayment calculator: enter the amount you would borrow, the interest rate from your quote, the term in years and whether you pay monthly, fortnightly or weekly. Add a balloon % if the loan leaves a lump sum at the end, and an extra amount each payment to see how much interest it saves. It is arithmetic on your own numbers, not a quote or financial advice - for an actual loan you can apply with our sister brand Pay In Time Finance. Open the loan repayment calculator →
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. Members can read the Newsletter, join community groups and list items on the marketplace.
How do I contact REALM?
Call 0419 182 804, email [email protected] or use the contact form. Contact us →
Other services
Real Estate
Farmland, grazing country and rural homes from owners and licensed agents.
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Auction
Clearing sales, machinery and livestock auctions, plus results.
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Livestock
Cattle, sheep, goats and more, with registration details checked.
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Machinery
Tractors, harvesters, balers and implements from trusted sellers.
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Community
Groups, comments and connections with farmers worldwide.
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Agriculture
Hay, feed, seed and produce, plus practical growing advice.
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