Specialised finance solutions to support your farm’s future

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We intentionally focus on providing a narrow set of specialised real asset finance solutions for farmers and agribusinesses. This allows us to offer you quick decisions backed by a team with deep agriculture and finance experience.

Our focused approach complements your traditional banking relationship, providing targeted solutions for specific, capital-intensive needs while they handle a broader range of services. This gives you the best of both worlds: a comprehensive banking relationship complemented by a responsive and flexible source of capital with deep agriculture expertise.

As we grow so will our offerings, with new specialist solutions designed to meet the evolving needs of the agriculture sector.

We intentionally focus on providing a narrow set of specialised real asset finance solutions for farmers and agribusinesses. This allows us to offer you quick decisions backed by a team with deep agriculture and finance experience.

Our focused approach complements your traditional banking relationship, providing targeted solutions for specific, capital-intensive needs while they handle a broader range of services. This gives you the best of both worlds: a comprehensive banking relationship complemented by a responsive and flexible source of capital with deep agriculture expertise.

As we grow so will our offerings, with new specialist solutions designed to meet the evolving needs of the agriculture sector.

Water Finance Lease

Fast finance decisions exclusively for water entitlements

Product guidelines 1
Description The Water Finance Lease grants you access to water allocations and carryover space, with the potential to build equity in the entitlement over the lease term, similar to an owner. At lease maturity you will typically be required to purchase the water entitlement outright, or subject to the terms of your lease, you may be able to renew the lease, or arrange for another party to acquire the water entitlements.
Finance Amount Minimum $250,000.
Finance Term 1 year up to 5 years
Finance Lease Rate Fixed lease payments. Rate subject to review.
Structure Financing up to 70% of entitlement value.
Financing For Acquisition, refinance or recapitalization of water entitlements.

Considerations 2

  • Beneficial ownership of water entitlements; 
  • Access to all water allocations and carryover space.
  • Potential to build equity as you would as an owner.
  • Potentially deduct lease payments from taxable income.

1 For illustrative purposes only.
2 Considerations of the Water Finance Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Finance Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Water Finance Lease.

Business

Finance for Business Purposes

3 Years +

Farmer with 3 or more years of experience in the industry

Eligible Water Entitlements

Water Finance Lease available on select water entitlements

Water Finance Lease

Fast finance decisions exclusively for water entitlements

Product guidelines 1
Description The Water Finance Lease grants you access to water allocations and carryover space, with the potential to build equity in the entitlement over the lease term, similar to an owner. At lease maturity you will typically be required to purchase the water entitlement outright, or subject to the terms of your lease, you may be able to renew the lease, or arrange for another party to acquire the water entitlements.
Finance Amount Minimum $250,000.
Finance Term 1 year up to 5 years
Finance Lease Rate Fixed lease payments. Rate subject to review.
Structure Financing up to 70% of entitlement value.
Financing For Acquisition, refinance or recapitalization of water entitlements.

Considerations 2

  • Beneficial ownership of water entitlements; 
  • Access to all water allocations and carryover space.
  • Potential to build equity as you would as an owner.
  • Potentially deduct lease payments from taxable income.

1 For illustrative purposes only.
2 Considerations of the Water Finance Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Finance Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Water Finance Lease.

Eligible Water Entitlements

Standard Water Lease available on select water entitlements

Standard Water Lease

Secure long term access to water allocations and carryover space

Product guidelines 3
Description The Standard Water Lease grants you access to water allocations and carryover space with fixed lease payments. At lease maturity, depending on the specifics of your lease and subject to agreement, you may have the ability to renew your lease.
Lease Amount Subject to minimum volumes.
Lease Term Minimum 3 years up to maximum 5 years.
Lease Rate Fixed annual lease payments.

Considerations 4

  • Provides access to all water allocations and carryover space associated with the water entitlements throughout the Term
  • No upfront payment.
  • Potentially deduct lease payments from taxable income.
  • No ability to build equity.

3 For illustrative purposes only.
4 Considerations of the Standard Water Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Lease Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Water Lease.

Standard Water Lease

Secure long term access to water allocations and carryover space

Product guidelines 3
Description The Standard Water Lease grants you access to water allocations and carryover space with fixed lease payments. At lease maturity, depending on the specifics of your lease and subject to agreement, you may have the ability to renew your lease.
Lease Amount Subject to minimum volumes.
Lease Term Minimum 3 years up to maximum 5 years.
Lease Rate Fixed annual lease payments.

Considerations 4

  • Provides access to all water allocations and carryover space associated with the water entitlements throughout the Term
  • No upfront payment.
  • Potentially deduct lease payments from taxable income.
  • No ability to build equity.

3 For illustrative purposes only.
4 Considerations of the Standard Water Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Lease Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Water Lease.

Hybrid Water Lease

Secure long term access to water allocations and carryover space aligned with your cashflows

Product guidelines 5
Description The Hybrid Water Lease grants you access to water allocations and carryover space with variable lease payments. At lease maturity, depending on the specifics of your lease and subject to agreement, you may have the ability to renew your lease.
Lease Amount Subject to minimum volumes.
Lease Term 5 years.
Lease Rate Variable annual lease payments.

Considerations 6

  • Provides access to all water allocations and carryover space associated with the water entitlements throughout the Term
  • No upfront payment.
  • Potentially deduct lease payments from taxable income.
  • No ability to build equity.
  • Lease payments vary in with the allocation volumes assigned to the water entitlement and hence your cashflow.

5 For illustrative purposes only.
6 6 Considerations of the Standard Water Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Lease Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Hybrid Water Lease.

Eligible Water Entitlements

Hybrid Water Lease finance available on select water entitlements

Hybrid Water Lease

Secure long term access to water allocations and carryover space aligned with your cashflows

Product guidelines 5
Description The Hybrid Water Lease grants you access to water allocations and carryover space with variable lease payments. At lease maturity, depending on the specifics of your lease and subject to agreement, you may have the ability to renew your lease.
Lease Amount Subject to minimum volumes.
Lease Term 5 years.
Lease Rate Variable annual lease payments.

Considerations 6

  • Provides access to all water allocations and carryover space associated with the water entitlements throughout the Term
  • No upfront payment.
  • Potentially deduct lease payments from taxable income.
  • No ability to build equity.
  • Lease payments vary in with the allocation volumes assigned to the water entitlement and hence your cashflow.

5 For illustrative purposes only.
6 6 Considerations of the Standard Water Lease may not apply in all circumstances and are not guaranteed. Additional considerations may apply that are not listed. Lessees should refer to the Water Lease Agreement terms and conditions. Lessees should seek independent advice in regard to the tax implications of the Hybrid Water Lease.

Flexible and Custom Finance Solutions

For water finance needs requiring flexible solutions, get in touch with our team to discuss.

GET IN TOUCH

Want to talk to our team?

07 3107 2888
support@riparianfinance.com

Want to talk to our team?

07 3107 2888
support@riparianfinance.com