Equipment & machinery
Tractors, harvesters and other gear can be bought outright, leased or financed. Our guides explain the trade-offs so you can compare options with confidence.
Veiqaravi
Ilavo
Ilavo e veiganiti kei na teitei.
How REALM helps
Understand your options for equipment, land and working capital, and connect with finance professionals who know agriculture.
Plain-English guides in the newsletter
Short explainers on equipment finance, leasing, land loans and working capital: what the terms mean and what lenders usually look for.
Introductions to finance partners
Tell us what you are trying to fund and we can put you in touch with finance professionals who understand farming. Any arrangement is between you and them.
Seasonal cash-flow tips
Practical ideas for planning around harvest, sale and input-cost cycles, so the lean months are easier to manage.
REALM does not provide credit or financial advice. Loan applications are made with and handled by Pay In Time Finance.
Talk to a real person
Qiri 0419 182 804 or email [email protected].
Moniti–Vakaraubuka, 9am–5pm ena gauna e Warragul (Australia)
Scan to open this page
realmgroupfiji.org/services/finance
Call 0419 182 804 · [email protected]
Our sister brand
Ready to apply? Pay In Time Finance
Pay In Time Finance is part of the REALM family. Apply online for equipment, machinery, land or working-capital finance, or tell their team what you need first.
You will leave the REALM website. Applications are assessed by Pay In Time Finance, not REALM.
What you can fund
Land & property
Buying, expanding or refinancing a farm is a long-term commitment. Learn the questions worth asking before you sit down with a lender.
Working capital
Farm income arrives in waves. Understand the ways to cover seed, fertiliser, fuel and wages between harvests without over-stretching.
Good to know
Common questions about finance
Quick answers from our FAQ. Still stuck? Ask the Chat Assistant or give us a call.
Do you offer finance?
Yes, through our sister brand Pay In Time Finance: you can apply online for equipment, machinery, land or working-capital finance on their website. We also share plain-English finance guides in the newsletter. REALM itself does not give credit or financial advice. Apply with Pay In Time Finance →
Is membership free?
Yes. Joining REALM is free. Members can read the Newsletter, join community groups and list items on the marketplace.
How do I contact REALM?
Call 0419 182 804, email [email protected] or use the contact form. Contact us →
Other services
Qele kei na Vale
Qele ni teitei, vanua ni vakaniyaki ni manumanu kei na vale ena koro mai vei ira na itaukei kei na ejeni e tu vei ira na laisini.
Kila eso tale
Okisoni
Okisoni ni iyaya, misini kei na manumanu, kei na kena macala.
Kila eso tale
Manumanu ni Teitei
Bulumakau, sipi, me kei na so tale, ka vakadeitaki na ivola ni kedra vakatokai.
Kila eso tale
Misini
Tarakita, misini ni tatamusu, misini ni vesu co kei na iyaya mai vei ira na dauvolitaki e vakabauti.
Kila eso tale
Veimaliwai
Matabose, vakasama kei na veimaliwai kei ira na dauteitei e vuravura.
Kila eso tale
Teitei
Co mamaca, kakana ni manumanu, sorenikau kei na kakana, kei na ivakasala ni teitei.
Kila eso tale