Simple and Independent Finance Solutions for the David Grays Aglink Network

We specialise in getting a better or new Agri deal for you!

AFA has over 200 years experience in finance and most of this time has been spent dealing with Agribusiness and Rural based clients. Our passion for all things regional and agribusiness along with our ongoing relationship management model make us stand out from the traditional broking model. We are Independent, we will find you the best deal and we work for you, not the Lenders.

It costs you nothing for us to tender your deal to the market, the Banks pay us and given the volumes we send to the Banks each year we have found we can get you a better deal than if you went direct to them yourself.

Who We are

Agribusiness Finance Australia was formed in February 2020 by thee Finance Leaders, Michael Tonkin based in Ballarat, Liam Anderson based in Brisbane and Matt O’Dea based in Clare. Matt, Liam and Michael took the opportunity to purchase the Finance book from Ruralco Finance when they merged with the Nutrien Group.

Since commencing the business AFA has now expanded with a further 4 staff, refinanced in excess of $150M in Loans and saved their clients in excess of $3M in Bank Interest.

We at AFA are bringing back the ‘old fashioned service’, we care about our clients and the community, we sponsor local groups and all of our team is actively involved in their own communities in one way or another.

Why do Farmers use us ?

Not only is it free to the farmers for us to tender their business to the market they get our ongoing support as well. Unlike many traditional brokers AFA stay involved with our clients assisting them with their finance requirements both at the first point of contact and in the years to come.

One of the biggest reasons farmers use us is that their Banker is continually changing and/or they are being ‘pushed’ by their Bank into centralised areas. There is no doubt that the Banks focus and support of regional communities is diminishing and this is where we are different – we are not going anywhere and we work for you and not the Bank.

Contact Our Finance & Insurance team:

Craig Milverton on 0400 380 886
Richard Campbell on 0433 027 656

Agribusiness and
Commercial Loans

We understand the value of strong relationships, both between AFAPL and our clients, and also our suppliers which will assist with creating new markets and drive business performance via sustainability and growth.

Our Lender accreditations enable us to source the most competitive package to align and tailor business / commercial loans to suit your business needs.

Equipment Finance Loans

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual.


We specialise in water related finance and have the capacity to cover all forms of equipment finance, whether it be:

– Asset Finance
– Chattels Mortgage
– Equipment Rental
– Cashflow Finance
– Water / Irrigation Finance

Lines of

Overdrafts are a borrowing option to assist with your short-term cash flow requirements.


Our Lender Accreditations allow us to source the best package to suit your cashflow requirements, complimenting your long-term business interests

Farm InputFinance

Through David Gray Aglink we have established a unique finance facility to assist Agribusiness clients with key farm inputs [Chemical / Fertiliser & Seed requirements].


We have established an exclusive arrangement with an Agribusiness provider to provide cashflow support, inclusive of freehold and leasehold structures.