Elders Finance

What Elders Finance does

Elders Finance is the financial services division of Elders Rural Services Australia Limited, itself a subsidiary of ASX-listed Elders Limited (ASX: ELD). Operating under the Elders brand that has supported Australian farmers since 1839, the division offers deposit, transaction, lending, and agribusiness finance products to individuals, SMBs, primary producers, and community organisations across metropolitan, regional, and rural Australia. The product set spans home loans, personal loans, investment loans, commercial and asset finance, agribusiness loans, livestock funding (Commercial Livestock Funding, StudPlus, LivestockPlus), wool cash advances (WoolPlus, Shear Cents, Shearing Advance), crop input finance, livestock and wool in-transit warranties, term deposits, a suite of savings and transaction accounts, Farm Management Deposits, and a Rural Products Prepayment Program carrying ATO Product Ruling PR 2026/4.

The business runs a hybrid broker-led and digital distribution model. A nationwide team of brokers — supplemented by the Elders branch network across Australia, Bank@Post access, phone banking, an internet banking platform, and a mobile banking app with Apple Pay, Google Pay, Osko, PayID, Confirmation of Payee, and PayTo integrations — supports customer acquisition and servicing. Banking products (savings accounts, term deposits, transaction accounts) are issued by Auswide Bank (a division of MyState Bank Limited) under the Elders Finance brand; Elders earns commission on successful applications. Lending products are originated through Elders Home Loans Pty Limited and Elders Asset Finance Pty Limited, with brokers accessing a panel of more than 60 lenders and asset finance provided under LMG Broker Services Pty Limited credit representative arrangements. Agribusiness credit is delivered through in-house livestock funding at 12% per annum interest, De Lage Landen-underwritten Crop Input Finance, and warranty products priced at 0.45%-0.55% of transaction value. The division is regulated via AFSL 237757, ACL 384408, and Credit Representative 558452, with banking products supervised under APRA through Auswide Bank and the Financial Claims Scheme applying to depositors.

Name

Elders Finance

Legal name

Elders Rural Services Australia Limited

Website

https://eldersfinance.com.au

Company type

Public

Founded year

1839

Operating status

Operating

Headcount range

11–50 employees

Short description

Elders Finance is the financial services division of ASX-listed Elders Limited, offering deposits, lending, and specialised agribusiness finance to individuals, SMBs, and Australian primary producers via a broker network, the Elders branch footprint, and digital banking channels.

Ownership category

akta.pro rank

Product category

Rural and Agricultural Financial Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522), Sales Financing (52222), Depository Credit Intermediation (5221)

SIC

Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Finance Services (6199), Finance Lessors (6172)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industry

Whole-Farm Business Management & Budgeting Advisory (AFACAJAA)

Keywords

• Agribusiness lending
• Rural finance
• Livestock funding
• Home loans
• Deposit accounts

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Brokerage Services: Commission-based brokerage services provided by Elders Home Loans Pty Limited and Elders Asset Finance Pty Limited, earning commissions from matched lenders when loans are settled. Brokers access over 60 lenders to find suitable products.
2. Banking Product Distribution: Distribution of banking products issued by Auswide Bank (division of MyState Bank Limited) under Elders Finance branding. Elders receives commission from Auswide Bank for successful product applications.
3. Crop Input Finance: Seasonal finance facility for growers to fund essential inputs such as seed, fertiliser, and crop protection products. Underwritten by De Lage Landen Pty Limited in collaboration with Elders Rural Services Australia Limited.
4. Livestock Funding Interest: Interest income from livestock funding facilities including Commercial Livestock Funding, StudPlus, and LivestockPlus. Interest charged at 12% per annum on outstanding amounts.
5. Rural Products Prepayment Program: Program allowing customers to prepay rural product purchases before June 30, earning a 5.5% per annum reward on unused prepayment amounts.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Elders Finance provides a comprehensive range of financial products and services tailored to Australian farmers and rural communities, including home loans, personal loans, business and agribusiness finance, livestock funding, wool advances, and savings/deposit accounts. Operating as a finance brand of Elders Rural Services Australia Limited (a subsidiary of ASX-listed Elders Limited), the business leverages deep sector knowledge of Australian agriculture to deliver credit and deposit solutions to primary producers, rural small businesses, and individuals in regional Australia.

Product overview

Elders Finance is a financial services company offering a comprehensive suite of banking, lending, and insurance products primarily serving Australian farmers and rural communities since 1839. The offering spans personal finance (home loans, personal loans, investment loans), business finance (agribusiness loans, commercial loans, asset and equipment loans), and specialised agricultural products (livestock funding, wool cash advances, crop finance). On the banking side, it provides savings accounts, term deposits, and transaction accounts through a partnership with Auswide Bank. The product portfolio also includes protective warranties for livestock and wool in transit, a rural products prepayment program, and digital banking platforms including internet and mobile banking. The company acts as a broker, accessing over 60 lenders to match customers with suitable financial products.

Differentiator

Problem solved

Functional benefit

Brands

• Elders MyAccount: Online banking platform for Elders Finance customers to access their accounts
• Elders Home Loans
• Elders Personal Loans
• LivestockPlus
• StudPlus
• WoolPlus
• Shear Cents
• Shearing Advance
• Rural Products Prepayment Program

Products and services

• Home Loans
• Personal Loans
• Business Finance
• Agribusiness Loans
• Livestock Funding
• Wool Advances
• Savings and Deposit Accounts

Quantifiable outcome

• Up to 100% finance available for livestock purchases plus associated costs
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Two partnerships are on record, tiered supporting and core.

• LMG Broker Services Pty LimitedsupportingTechnology or IntegrationElders Asset Finance Pty Limited operates as an authorised credit representative of LMG Broker Services Pty Limited (Australian Credit Licence 517192), enabling the provision of asset and equipment finance products through the Elders network.
• Network of 60+ LenderscoreChannel Partner/ Reseller/ DistributorElders Finance brokers have access to over 60 lenders including major banks (Commonwealth Bank, Westpac, NAB, Suncorp), credit unions, member-based financial organisations, and third-tier lenders. This network enables brokers to match customers with the most suitable loan products across the market.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Auswide Bank (MyState Bank): Elders Finance's banking product partner and direct competitor in regional Australian banking. Auswide Bank issues Elders' deposit products and has overlapping customer segments in regional and rural Australia.
• Australian Finance Group (AFG): Largest Australian mortgage aggregator with access to 60+ lenders, directly comparable to Elders Home Loans brokerage model. Competes for broker productivity and lender commission economics.
• Loan Market Group: Major Australian mortgage broking franchise group with extensive lender panel. Competes with Elders Home Loans for broker networks and home loan customers in regional Australia.
• LMG Broker Services: Australian asset finance aggregator and ACL holder under which Elders Asset Finance operates. Direct business partner and comparable asset finance brokerage model.
• Rabobank Australia: Global agribusiness specialist bank with significant Australian presence, offering farm management deposits, livestock financing, and crop input finance that overlaps with Elders' core agribusiness products.
• Rural Bank (subsidiary of Bendigo and Adelaide Bank): Specialist agribusiness bank offering farm finance, livestock loans, and rural banking products. Closest direct competitor in Elders' specialty agribusiness lending niche.

Regional players

• Heritage Bank: Australian customer-owned bank with regional and agribusiness focus. Competes for deposits and agribusiness lending in overlapping rural geographies.

Broad incumbents

• Bank of Queensland: Australian regional bank with owner-managed branch model and agribusiness lending focus. Competes for the same SME and agribusiness customers that Elders Finance serves.
• Bendigo and Adelaide Bank: Major Australian regional bank with deep rural branch presence and agribusiness lending. Competes directly with Elders Finance for regional customer deposits, home loans, and agribusiness finance.
• Suncorp Bank: Major Australian bank with significant regional and agribusiness exposure. Competes with Elders Finance for home loans, personal loans, and agribusiness customers in regional Australia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@EldersRuralServices
• Facebookfacebook.com/EldersRuralServices
• LinkedInlinkedin.com/company/elders-finance
• Instagraminstagram.com/eldersruralservices
• TikToktiktok.com/@eldersruralservices

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Elders Finance