Agricultural lending data 2024–25
Debt is an important source of funds for farmers to develop their farm business and for ongoing working capital. Information on trends in the use of debt financing provides context for understanding longer term changes in farm financial performance and the drivers of future productivity growth.
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This report includes analysis of recent developments in agricultural lending using data provided by the Australian Prudential Regulation Authority (APRA), the Reserve Bank of Australia (RBA) and the Regional Investment Corporation (RIC). More detailed analysis, a glossary of terms, and further information about the data sources can be found in the report download.
Summary
- The latest agricultural lending statistics provided by the APRA show a net increase in aggregate lending to the farm sector in 2024–25 of 5% (in real terms) compared with the previous year.
- Net lending to the farm sector increased in all states and territories except the northern territory during 2024–25, with the largest percentage increases occurring in Western Australia (8.2%) and South Australia (7.5%)
- In 2024–25 aggregate lending increased in 11 of the 14 industry groups. The broadacre cropping industry experienced the biggest increase in absolute terms with lending up by $3.3 billion.
- While indicators of loan repayment difficulty also increased during 2024–25, loans subject to debt mediation and foreclosure continue to represent a very small share of total farm lending. Foreclosures in 2024–25 accounted for less than 0.1 per cent of the nearly 147,000 farm loans in operation.
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