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.
Seva
Paisa aur Loan
Paisa jo farm me fit hove.
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
Phone karo 0419 182 804 or email [email protected].
Som–Shukra, 9am–5pm Warragul (Australia) ke time
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
Zameen aur Ghar
Kheti ke zameen, charaai ke zameen aur gaon ke ghar, maalik aur licence wala agent se.
Aur jaano
Nilaami
Saamaan, masheen aur jaanwar ke nilaami, aur unke natija.
Aur jaano
Jaanwar
Gaay, bhed, bakri aur aur, registration ke baat check karke.
Aur jaano
Masheen
Tractor, harvester, baler aur auzaar, bharose wala bechne wala se.
Aur jaano
Samaaj
Group, comment aur duniya bhar ke kisaan se jaan pehchaan.
Aur jaano
Kheti
Ghaas, jaanwar ke khaana, beej aur fasal, aur kaam ke kheti salaah.
Aur jaano