Seasonal & term Finance

AGRI LOANS FROM AGRIBUSINESS SPECIALISTS

When it comes to lending in the agricultural sector, a standard loan from a bank can be a very poor fit - it's often the case that a bank will lend what they want and not what you need.


Thera is a non-bank lender specialising in providing finance solutions to Australian agriculture. From cattle to crops and land, Thera can deliver seasonal and term finance specifically designed for farming and farming-related activities.


With Thera, you’ll get straightforward finance solutions you can trust, with quick turnaround on loan applications.  Whether you want to unlock new opportunities, grow your business or upgrade daily operations on your farm, Thera can help.


As well as getting the capital you need when and how you need it, you’ll also get a partner with extensive agri-business experience. When you choose a knowledgeable, trustworthy lender like Thera, your business will not only survive, but thrive!


Livestock & Crop Finance (Seasonal Finance)


  • We finance 100% of your livestock and crop input purchases.
  • Up to 25% of a livestock facility can be used for stockfeed for feeding operations.
  • We advance funds against your harvested crop inventory to help end of season cashflow.
  • For trading stock and crops, P&I repayments are after your livestock or crops have been sold.
  • For breeding or dairy stock, P&I is paid monthly or quarterly
  • Facility sizes from $100,000 up to $5 million.
  • Ten day turn around to establish a trading account.
  • Security required includes first ranking PPSA security over the crops or livestock, personal & corporate guarantees and a caveat right over underlying land in event of default.


Farmland Finance (Term Finance)


  • We finance up to 65% of your property value for farmland purchases or refinancing.
  • We can finance up to 100% of agri development and improvement investment.
  • We finance greenfield agri development programs.
  • Facility sizes from $500,000 up to $7 million.
  • A Seasonal Finance solution can be added to Term Finance
  • Security required includes registered first mortgage over land, personal & corporate guarantees.

FAST, FLEXIBLE FINANCE FOR FARMS

The benefits you’ll get from Thera’s lending services include:

  • 100% trustworthy loans
  • Quick turnaround on loan applications
  • Greater flexibility on your finance product than bigger agri loan providers
  • Truly tailored solutions with competitive interest rates
  • Seasonal finance solutions
  • In-depth and extensive knowledge of the agricultural sector
  • Insight into the opportunities and challenges faced by farming enterprises
  • A hands-on approach – we follow every deal from your supplier through to the end buyer, ensuring your loan is in total alignment with your interests
  • Complete understanding of the importance of capital liquidity for agribusiness
  • Expertise on how farming businesses can maximise productivity and manage risk

Are you ready to unlock fast, easy and convenient finance solutions for your farming enterprise? Contact us now. Our agribusiness specialists look forward to helping you.

THERA’S VALUE PROPOSITION AND COMPETITIVE ADVANTAGE

Supporting Farm Enterprise Optimisation and Sector Growth

    WEALTH CREATION

        Farmers use their term-capital (term-debt and equity) to create wealth by investing in long term assets (e.g. property, water) and asset improvements (e.g. fences, sheds, water infrastructure), and use Thera’s capital to operate their business (e.g. seasonal finance).

    CONFIDENTIALITY

        Farmers can access seasonal finance without needing to discuss personal financial information with the local agent or supplier.

    DIVERSIFICATION

        Farmers prefer to have an alternative source of capital outside of their bank facility.

    INDEPENDENT

        Thera provides independent finance unlike a rural retailer that will provide finance for goods and services bought from them exclusively. Thera’s facility offers farmers the opportunity to negotiate the purchase of goods and services from the most competitive supplier(s) independent of financing.

    FLEXIBLE

        Most seasonal finance providers are limited to financing one collateral type which leads to farmers needing several facilities for different purposes. Thera can provide one facility to cover all their seasonal finance type requirements.

    RISK MANAGEMENT

        Farmers may elect not to sell harvested crops at harvest (seasonally low basis and pricing) and Thera’s financing can be used to provide liquidity against harvested inventory to help pay for immediate expenses (e.g. machinery leases) allowing the farmer time to benefit from improved basis/pricing.

    CONVENIENT AND QUICK

        Thera’s facility is quick (application to first drawing can be a week) and easy to use (the farmer purchases goods and services and sends Thera the invoice to pay).

    ASSET UTILISATION

        A farmer's term debt facility may be inadequate to provide sufficient working capital for a farmer to achieve full utilisation of their enterprise potential. Thera can provide seasonal-finance to ensure farmers can maximise their enterprise performance.