Meet Our Partners

Pay in Time connects agricultural businesses with trusted partners who understand seasonal cashflow and the importance of long-term relationships.

• Finance brokers (ag-focused)

• Lenders and specialist funders

• Asset finance and equipment funding

• Working capital and trade finance providers

• Lines of credit, cashflow solutions, invoice finance

• Rural business funding programs and grants support

Practical, on-the-ground services that help farms run smoothly day to day.

• Farm business management and advisory

• Succession and transition planning

• Agronomy and livestock consulting

• Workforce, HR, and seasonal labour support

• Workplace health, safety, and compliance

• Biosecurity and traceability advisory

These partners focus on what works in real farming environments, not theory.

Partner Name: Termina

Category: Energy & Utilities

Description:
Termina specialises in wholesale electricity procurement for Australian farms and ag businesses. They understand the impact energy costs have on cashflow and operations, helping clients access wholesale markets, manage price risk, and structure energy contracts that suit how agricultural businesses actually operate.

Link: https://termina.io/

Tools and systems that support better decisions without unnecessary complexity.

• Farm management and record-keeping platforms

• Livestock, cropping, and machinery data solutions

• Telematics and equipment monitoring

• Mapping, GIS, and spatial analysis

• Drone services for inspection, spraying, and monitoring

• Environmental and emissions tracking tools

Pay in Time helps farmers understand where technology makes sense and how to fund it responsibly.

Essential inputs and infrastructure that farms rely on year-round.

• Seed, feed, and nutrition suppliers

• Fertiliser and soil health products

• Animal health and veterinary supplies

• Machinery and equipment providers

• Irrigation and water infrastructure

• Fuel, energy, and on-farm utilities

These services often involve significant cashflow timing decisions, where the right structure matters.

Support for moving, storing, and protecting agricultural assets.

• Livestock and produce transport

• Grain and fodder storage solutions

• Cold storage and handling

• Export preparation and documentation

• On-farm infrastructure, fencing, and shed construction

Reliable logistics and infrastructure are critical to protecting value and reducing risk.

Helping producers improve margins and reach the right markets.

• Agricultural marketing and communications

• Brand, content, and storytelling services

• Direct-to-consumer setup and support

• Export and market entry advisory

• Auction, marketplace, and sales platforms

These partners help turn good production into sustainable income.

Partner Name: RD Creative Studio

Category: Marketing, Sales & Market Access

Description:
RD Creative Studio specialises in practical marketing and communication for agriculture and regional businesses. They help ag operators clearly explain what they do, reach the right audiences, and turn ideas into messages that make sense to real customers and partners.

Link: https://rdcreativestudio.com.au/

Quiet but essential services that protect farming businesses.

• Agricultural legal services

• Business and asset structuring

• Contract review and negotiation

• Land acquisition and leasing support

• Family business mediation

Pay in Time connects farmers to specialists who understand rural business structures.

Practical support for farms planning ahead.

• Carbon and emissions project support

• Regenerative agriculture advisory

• Sustainability reporting and compliance

• Government grants and funding assistance

These services are offered as options, not obligations, and are always farmer-led.

Building capability through shared knowledge and experience.

• Farmer education and short courses

• Peer learning groups and mentoring

• Next-generation and succession programs

• Industry-specific training

These partners often work closely with the broader Pay in Time and community ecosystem.

Recognising that strong businesses rely on healthy people.

• Rural mental health and wellbeing services

• Financial wellbeing and coaching

• Support programs tailored to regional communities

Handled with care, confidentiality, and respect.

Partner Name: Vision AI

Category: Wellbeing & Support

Description:
Vision AI supports farmers, operators and business owners with practical tools for mental clarity, decision support and personal wellbeing. It helps people manage pressure, reduce overwhelm and regain control during high-stress periods, using simple, accessible digital tools designed for real-world use.

Link: https://chatgpt.com/g/g-6800df1727a48191861d9a2b0606c56b-vision-ai