Harvest Loan
AWB Harvest Loan is the most popular option among growers, giving you the majority of cash flow at harvest, soon after delivery and providing income flexibility.
Key Features
- Get the majority of your cash flow during harvest, soon after delivery (up to 90% of Nominated EPR#, less estimated costs)
- An underwritten loan at competitive rates (some exclusions apply)*
- Over the past two seasons, provision of Dynamic Top Ups** have given growers access to more funds earlier than ever before
- Market-leading simplicity in delivery and paperwork
- No application fees and no security required
- Pay tax on your AWB National Pool distributions, not when you receive your AWB Harvest Loan
Treatment of GST
Drawdowns under the AWB Harvest Loan and AWB Flexible Drawdown Loan accounts are not subject to GST. Growers may however incur a GST liability in respect of AWB National Pool Distributions. We suggest you make adequate provisions to meet any GST obligations as they occur.
For more information call the AWB Grower Service Centre on 1800 054 433, contact your local Grain Marketer, or visit your nearest Landmark outlet.
For more information download the AWB Harvest Loan Fact Sheet (PDF 85 Kb)
Download 2007 AWB Harvest Finance & National Pool Terms and Conditions (PDF 255 Kb)
† You should seek independent financial, legal and taxation advice before you select an AWB Harvest Finance option. Please refer to the current AWB Harvest Finance National Pool Payment Options booklet for the full terms and conditions and for more information about these options. AWB Harvest Finance Limited ABN 28 102 469 303.
#Nominated Estimated Pool Return (NEPR) is usually set in early November for all available AWB National Pool pay grades. The NEPR is the benchmark from which AWB Harvest Finance options are calculated. The NEPR applies to the following options: Harvest Loan; Flexible Drawdown Loan; and Advanced Payment.
*Underwriting does not apply if you are in default or where distributions are insufficient to pay out encumbrances or grower liabilities.
** Past performance is no guarantee of future return.
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