First mortgage farm loans
Short-term loans secured by a first mortgage over Australian farmland, for refinancing, growth or transition.
Private LenderMelbourne, VIC, AustraliaLast reviewed 23 Oct 2026
FarmCap
Business loans, eligibility and contact details
Quick answer
FarmCap is an Australian non-bank lender that specialises exclusively in agricultural lending. It offers short-term loans of $200,000 to $10 million to agricultural businesses, secured by a first or second mortgage over Australian farmland, for terms of 6 to 24 months.
About FarmCap
FarmCap is a non-bank lender and private credit investment manager focused exclusively on Australian farming and agriculture. It funds loans to farmers from investor funds, and positions itself as an option when bank finance isn't available or isn't quick enough. It is based in Melbourne.
FarmCap's loans are short-term, from $200,000 to $10 million over 6 to 24 months, and are secured by a first or second mortgage over Australian farmland. They are used for refinancing, growth and transitional funding, including expansion, succession and turnaround situations.
Finance offered by FarmCap
Second mortgage farm loans
Loans ranking behind an existing first mortgage over farmland, where extra funding is needed alongside a bank or other lender.
Eligibility and documents
Who FarmCap lends to
- Australian agricultural businesses
- Farmland to offer as security
- Loans for refinancing, growth, expansion, succession or turnaround
All lending is subject to the lender's credit criteria and assessment.
Is FarmCap the right fit for your business?
FarmCap usually suits farming businesses with land to offer as security that need short-term funding for refinancing, expansion, succession or a turnaround, especially when bank finance isn't available in time.
Every business is different. Talk to us to understand your options. We work with a panel of 100+ lenders and match you with the ones best suited to your business, loan amount and timing.
Learn how private business lenders work →
- One conversation, no obligation
- We seek multiple lender options for you
- Business finance from $30,000
Prefer to talk now? Call 0468 060 969, Mon–Fri, 9am–6pm AEST/AEDT.
Get your funding options
Tell us what you need and we'll call you back, usually within 1–2 hours during business hours. No obligation.
Call us now: 0468 060 969
Mon–Fri, 9am–6pm AEST/AEDT
FarmCap FAQs
Is FarmCap a bank?
No. FarmCap is a non-bank lender and private credit investment manager that specialises in agricultural lending.
How much can I borrow from FarmCap?
FarmCap lends $200,000 to $10 million to agricultural businesses.
What security does FarmCap need?
FarmCap's loans are secured by a first or second mortgage over Australian farmland.
What loan terms does FarmCap offer?
FarmCap offers short-term loans of 6 to 24 months.
What can a FarmCap loan be used for?
FarmCap lists refinancing, growth and transitional funding, including expansion, succession and turnaround situations.
How do I contact FarmCap?
You can contact FarmCap through farmcap.com.au. Its head office is at 7/570 St Kilda Rd, Melbourne.
Can Splendid help me with a FarmCap loan?
Splendid is an independent finance broker working with a panel of 100+ lenders. Tell us about your business and we'll seek multiple lender options for you, matched to your loan amount and timing. Which lenders suit you depends on your situation.
FarmCap contact details
Website
farmcap.com.auOffice
7/570 St Kilda Rd, Melbourne VIC 3004
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See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with FarmCap. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on FarmCap's published information, checked 23 Oct 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.