Rabobank farm and agribusiness lending: how the All In One Account works and who it suits

Farming income doesn’t arrive in neat monthly instalments. A grain grower can bank the bulk of a year’s takings within weeks of harvest; a cattle operation gets paid when stock is sold; a dairy farm runs on a monthly milk cheque that swings with the season. Most business loans are built around steady repayments, which is exactly where farmers get squeezed.

Rabobank’s lending is designed the other way around. It’s part of a global cooperative banking group, and in Australia it describes itself as a specialist food and agribusiness bank. If you run a farm and fit its criteria, it’s one of the most natural places to start. This profile draws on Rabobank’s own website, read via search results because the site restricts automated access, and cross-checked with independent sources. Details are as at October 2026; confirm them with a Rabobank rural manager.

Who does Rabobank lend to?

Rabobank is narrow by design. According to its website, the All In One Account is available to individuals, partnerships, companies and trusts, for food and agribusiness purposes. That covers family farms run through a trust, corporate growers and partnerships between generations.

It doesn’t try to be a general business bank. If your business is a trade, a shop or a professional practice, Rabobank isn’t built for you, and a mainstream bank or a specialist lender in our banks directory will be a better starting point. Agricultural service businesses sit in a grey area; ask a rural manager directly.

How does the All In One Account work?

The All In One is Rabobank’s core farm lending product. Think of it as a large, flexible line of credit that doubles as your transaction account.

Feature	According to Rabobank’s website
Structure	Transaction and loan facility in one account, working like a revolving line of credit
Income	Every dollar deposited reduces the variable loan balance
Repayments	No minimum repayment while the balance stays within your limit
Interest timing	Interest payments can be timed to peak income periods
Interest only	Interest-only periods of up to 15 years
Fixing	Fix any portion of the loan for one month to five years, online or by phone
Rate choice	Fixed, variable or a split of both
Support	A dedicated rural manager and team

The practical effect is that you aren’t borrowing in one place and saving in another. When the wool cheque lands, it immediately cuts the balance you’re paying interest on. When you need to buy fertiliser in autumn, you draw it back up. Fixing a slice of the balance gives you certainty on part of the debt while the rest moves with your cash flow.

If you want a feel for how much you could carry on a facility like this, our business borrowing power calculator is a sensible first check.

What else does Rabobank offer farmers?

Environmental Plantings carbon farming loans. Rabobank offers discounted loans for the upfront costs of new Environmental Plantings projects under the Australian Carbon Credit Units Scheme. The CEFC has committed up to $200m, and Rabobank adds its own discount on top. The loans cover costs like feasibility assessments, planting, and reporting and audit work, and they’re designed to bridge the two to three years before carbon credit income starts. The land must have been clear of forest cover for at least five years.

Farm Management Deposits. Rabobank holds FMDs for eligible primary producers. These let you park pre-tax income from a strong season then call on it when a dry year bites. Under the ATO’s scheme rules, you can hold up to $800k in total and must have no more than $100k of taxable off-farm income in the year you deposit.

Equipment finance. Rabobank’s website lists equipment finance for approved customers. It publishes little detail about it, so ask your rural manager how it sits alongside your main facility.

Three things that make Rabobank different

Seasonal cash flow is the starting point, not an exception. A mainstream lender may see a farm’s lumpy bank statements as a risk. Rabobank’s product structure assumes them. That’s why there’s no minimum repayment inside the limit.

It lends at both ends of the scale. Alongside family farms, Rabobank has worked on large sustainability-linked loans for Australian food companies, where pricing is tied to environmental targets. That breadth means it understands supply chains from the paddock to the supermarket.

Carbon is treated as a farm income stream. The carbon planting loan recognises that a planting can pay its way once credits are issued. Few lenders will fund a project whose income is years away.

A worked example

Take an illustrative mixed cropping and sheep enterprise in the Riverina, run by two siblings through a family trust. They want to buy a neighbouring block and replant a degraded creek line with native species.

With Rabobank, the land purchase could sit inside an All In One Account secured over both properties, with part of the balance fixed for three years for certainty. Harvest proceeds flow straight into the account each December, reducing the balance until the next sowing season. The creek replanting, if it qualifies as an Environmental Plantings project, could be funded with a discounted carbon farming loan until credits start to flow.

Now change one fact: the neighbouring block has to settle in three weeks and the rural manager needs longer. A short-term bridging loan secured on rural land could hold the purchase together until the bank approval comes through.

Weighing up a time-critical land deal? Talk it through with us before the deadline gets closer.

Who suits Rabobank, and who might not?

Rabobank tends to suit:

• established farm businesses with strong land security and a track record of production;
• operations with seasonal income that want flexible, offset-style lending;
• family farms run through trusts or partnerships;
• landholders planning environmental plantings for carbon credits.

It’s a weaker fit for non-agricultural businesses, buyers needing money within days, first-generation farmers without equity, and borrowers whose recent seasons have stretched their debt beyond what the bank is comfortable with.

Questions to put to a Rabobank rural manager

• What limit would you set on an All In One Account, and how is it reviewed each year?
• How much of the balance should I fix, and what would breaking a fixed portion cost in dollars?
• Can my FMD balance be taken into account when you assess my debt?
• Which titles would you hold as security, and would that include the house block?
• How long from application to approval for a land purchase?

If Rabobank said no, you’re in the right place

Rabobank is a strong, specialised bank, and an offer from it deserves serious consideration. A decline usually comes down to one thing, and each has a sensible next step:

• Debt level too high after a tough season? See business loans after natural disasters and look at the Regional Investment Corporation, a government lender for farm businesses.
• Need to move faster than the bank? Private lenders will lend against rural property in days rather than weeks.
• Mainly need machinery? Compare equipment finance and read how to finance machinery for your farm.
• Want another agri-capable bank? Read our profiles of NAB and Bendigo Bank, or our guide for farmers and cattle and grazing businesses.

Timing a farm deal around the season?

On the land, the best opportunities rarely wait for a bank’s credit committee: a neighbour’s block comes up, a header breaks before harvest, a drought bill lands.

When that happens, our enquiry form is a sixty-second job, and lodging it leaves your credit history untouched. Your information isn’t auctioned off to a string of lenders either. Instead, someone who knows how farm finance is assessed reviews it and gives you a call. Give us the true picture of your land, debts and seasons, because accurate details are what let us suggest the right lender straight away.

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