Pay In Time Australia is the dedicated Australian arm of the Pay In Time global agricultural finance network, operated by REALM Group Aus. We deliver specialist working capital, seasonal finance, livestock and equipment funding, and embedded vendor finance for AgTech across the Australian farming sector — from broadacre cropping in WA, SA and the Wimmera, to livestock and mixed enterprises across NSW, QLD and Victoria, to horticulture, viticulture, dairy and aquaculture nationally.
Why Pay In Time Australia: Purpose-built ag finance with deep understanding of seasonal cash flow, Farm Management Deposits, livestock cycles, harvest timing and commodity price exposure. National broker network with co-branded program. Capital partner panel including Australian super funds, specialty private credit funds, and Farm Credit-aligned co-lenders. Embedded finance rails for AgTech vendors to offer point-of-sale finance to Australian growers.
Core Product Suite (AU): Seasonal working capital lines $50k–$5M. Livestock and breeding finance. Plant, equipment and machinery finance. Crop input and contract finance against forward sales. Receivables and trade finance for ag exporters. Embedded vendor finance for AgTech and equipment dealers. Capital partner facilities $10M–$100M+ forward-flow.
Three Ways to Engage: (1) Brokers — join the AU Broker Network Program for co-branded ag finance solutions, structured commissions and back-end origination support. (2) Capital Partners — participate in forward-flow facilities, warehouse structures or programmatic co-lending into Australian agricultural credit. (3) AgTech Vendors — embed Pay In Time at point-of-sale to convert more demos to deployments.
Compliance: Pay In Time Australia is a trade name of REALM Group Global Pty Ltd. Credit products are originated and funded by licensed Australian credit providers under the National Consumer Credit Protection Act 2009 (Cth) where applicable. Commercial finance is provided to wholesale and business clients only. This page is general information and does not constitute financial product advice or an offer to lend.
