agPay

AGPAY is a financial services company specializing in providing flexible agrifinance solutions to Australian farmers. The company serves wool producers, livestock farmers, and crop farmers by offering tailored financial products that help unlock equity, manage cash flow, and improve operational efficiency.

For wool producers, AGPAY provides a solution to unlock the equity in their clipped wool, offering up to 65% Loan-to-Value Ratio (LVR) against baled wool held in third-party storage. Wool is sold on the borrower's instruction, and repayment is made with the wool sale proceeds, with a maximum loan duration of 12 months.

Livestock farmers can access funding to purchase livestock, including brokerage, transport, transaction costs, and animal health-related products. This allows for herd building and quality improvement. The funding is available pre-purchase, providing certainty when attending market auctions. The loan duration is flexible and not structured around seasonal drivers, offering cash flow certainty when needed. Security is provided over the purchased livestock through the Personal Property Securities Register (PPSR) Purchase Money Security Interest (PMSI).

Crop farmers benefit from pre-plant finance for input costs such as seed, chemicals, fertilizer, water, and fuel, as well as crop insurance, lease payments, agronomy services, and contractors. This concept gives farmers the flexibility to access crop inputs when needed, with loan durations aligned to winter and summer cropping seasons, ensuring cash flow certainty. Repayment is made in cash with clear repayment dates, and security is provided over the crop rather than the land. New season applications are available immediately following harvest.

Keywords: agrifinance, wool equity, livestock funding, crop finance, cash flow, loan duration, PPSR, PMSI, Australian farmers, operational efficiency.