AgriAdvantage Packages

The Commonwealth Bank has been working with Agribusinesses in Australia for over 80 years.

The depth of experience has given us a very good understanding of the challenges and opportunities you face when you make your living from the land or sea. For instance, your personal and business finances are often closely linked and, no matter what type of agricultural business you’re in, you need solutions that are tailored to your particular requirements.

The AgriAdvantage solutions

The other advantages you can expect

The AgriAdvantage solutions

AgriAdvantage and AgriAdvantage Plus  are two packages of financial products and services that we can tailor to your particular needs.   They allow you to simplify and streamline your financial requirements, saving you money and time.  Both packages offer innovative solutions for: 

• Borrowing (for you and your business)
• Day-to-day transactional banking & working capital
• Savings and investment
• Risk management
• Wealth management

In fact, they cover most kinds of financial requirements you’re likely to need on a business or personal front. 

Solutions for borrowing 
Whether you require funds for new farming equipment or as a means to improve cash flow in less productive times of the year, AgriAdvantage can offer you a range of competitive and flexible solutions.

• AgriBusiness Line of Credit - an innovative product specifically designed for agricultural clients
• BetterBusiness Loan
• BetterBusiness Bill Facility with Interest Rate Risk Management
• CBFC Limited Asset Finance*
  

And on the personal front...

• Home Loans and Investment Home Loans

Solutions for day-to-day transactional banking and working capital
The everyday aspects of running an agricultural business of any size can be time consuming – and time is money.  Our solutions help to make your everyday banking quicker, more efficient and easier to manage.

• Standard Business Cheque Account with optional Business Overdraft
• Commonwealth Bank Business Card
• Netbank

Savings and investment solutions
Tax effective savings and investment solutions that help you balance the profitable years with leaner times.

• Farm Management Deposit Account
• Cash Deposit Account
• CommSec Margin Loan#

Solutions to manage risk
Guard against fluctuating interest rates and manage currency risk in order to gain peace of mind – and better returns.

• Hedging Facility
• Foreign Exchange
• Consultation with a Global Markets Specialist

Wealth management solutions
Expert advice to help you reach the goals for your financial future.

• Consultation with a Commonwealth Bank Wealth Specialist

The other advantages you can expect

• First class service.   You have a dedicated point of contact - your relationship manager – to ensure all your requirements are met with the least inconvenience. He or she works closely with a team of specialists to come up with the best options for you and your business.
• Preferential pricing. Discounts and fee exemptions on selected products can help you minimise costs.
• Flexibility. You can select all or part of either package depending on your needs.
• Access to expert research.  This free service provides valuable insight into commodities, equities and the Australian economy.
• Free consultation and a planning session with a Commonwealth Bank Wealth Specialist and (for AgriAdvantage Plus clients) a Global Markets Specialist.  No need to travel – a specialist will come to you to develop a strategy and recommendations to help you to meet your business and personal financial goals.

To find out more, call us on 1300 245 463 (1300 AGLINE) from 7am to 7pm, Monday to Friday (NSW time).
 

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Important information about advice
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances.

All products mentioned on this web page, except Equipment Finance are issued by the Commonwealth Bank of Australia, view our Financial Services Guide (PDF 59kb). View Product Disclosure Statements (PDSs) for Cash Deposit Account (PDF 159kb), CommSec Margin Lending (PDF 1305kb), Flexible Forward (PDF 127kb),  Flexible Forward Bonus (PDF 133kb), Flexible Forward Convertible (PDF 131kb), Flexible Forward Convertible Plus (PDF 141kb), Flexible Forward Convertible Knock Out (PDF 151kb), Flexible Forward Cash Settled (PDF 129kb), Flexible Forward Collar (PDF 128kb), Flexible Forward Protector (PDF 128kb), Business Cheque Account (PDF 232kb), Farm Management Deposit Account General Information and Terms & Conditions (PDF 441kb), Agricultural Collar (PDF 146kb), Agricultural Options (PDF 141kb), Agricultural Swaps (PDF 132kb), QuickLine (PDF 310kb) and  Electronic Banking (PDF 135kb) and consider them before making any decision about these products.

Other important information
#Commonwealth Securities Limited ABN 60 067 254 399 (CommSec) is a wholly-owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia and a Participating Organisation of the Australian Stock Exchange.

*CBFC Limited ABN 26 008 519 462 is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. CBFC Limited reserves the right to require leasing arrangements to be made with CBFC Leasing Pty Limited ABN 89 008 520 965 or any of the subsidiaries of the Commonwealth Bank Group.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions, including fees and charges, included in the loan offer.

Wealth Specialist Financial Advisers are authorised representatives of Commonwealth Financial Planning Limited AFSL 231139, a wholly-owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.