Fixed vs Variable – Pros & Cons 💰 🔒 Fixed Predictable repayments Protection if rates rise – Break costs & less flexibility – Miss rate drops 🔄 Variable Flexible repayments Benefit if rates fall – Exposed to rate hikes – Less budget certainty Read more bit.ly/4deniMK

Current markets - what is the Sprout Ag team noticing?

The Three Big Questions in Succession 1. How much does the outgoing generation need for retirement? 2. What level of debt is sustainable for the incoming generation? 3. What is a fair and appropriate financial outcome for non-operating family members? bit.ly/4mTm3qT

At Sprout Ag, our culture is rooted in collaboration, community, and a genuine passion for agriculture. We pride ourselves on being more than just advisors, we're part of the rural communities we serve.

Join SproutAg in Yarrawonga for an evening of insights on building high-performing teams and navigating business transitions. 🗓 Friday 4 July | 🕠 5:30–8:30 PM 📍 The Sebel Yarrawonga RSVP by 27 June – spots are limited! Register now: bit.ly/3FOQr4T

SproutAg offers tailored agribusiness finance solutions to help Australian farmers thrive. Whether you're starting out or managing a multi-generational farm, we provide access to working capital, property loans, livestock finance, and seasonal funding. bit.ly/447heTg

Sprout Ag works alongside Australian farmers to deliver personalised finance and advisory support, helping clients grow, adapt, and succeed at every stage of their agribusiness journey.

🗓 Friday 4 July | 🕠 5:30–8:30 PM 📍 The Sebel Yarrawonga Hear from Kevin Sheedy, Michael McIntosh, and Troy Constance. Canapés and drinks included. RSVP by 27 June to secure your seat. bit.ly/3FOQr4T

TEAM FEATURE: Charlie Wythes Based in Hay, Charlie is looking to give back to the local communities around him by providing a wide range of support and advice to family farming businesses, to help them grow and prosper into the future. Chat with Charlie 0408 292 834

Last chance to RSVP! Don’t miss SproutAg’s exclusive Yarrawonga event this Friday 4 July — an evening focused on building high-performing teams and navigating transition in farming and business. RSVP closes 27 June — secure your spot now! bit.ly/3FOQr4T

SproutAg delivers tailored agribusiness finance, working capital, property loans, livestock and seasonal funding. Designed to help Aussie farmers grow with confidence. sproutag.com.au/agribusiness-f…

Our team is embedded in the regions we serve, bringing local knowledge to every client interaction. Because we live and work in the same communities as our clients, we understand the local industries, the day-to-day challenges, and where real value can be added.

At Sprout Ag, we’re more than finance and advisory, we’re locals who live and breathe agriculture. Our culture is built on connection, community, and a shared commitment to supporting rural success through trusted relationships and deep industry insight. bit.ly/4hB74hT

Debt funding plays a pivotal role in succession planning for Australian farm businesses. Whether it's compensating retiring parents, managing existing liabilities, or facilitating growth, sustainable debt structures are essential. Full article here: bit.ly/3GA0zij

We really enjoy making sure that our clients understand their position so that they can best advocate for themselves into expansion or succession strategies that they can use in their business to make sure that they’re at their most profitable and putting their best foot forward.

Applications NOW OPEN! SproutAg's 2026 Graduate Program is here, a launchpad for future leaders in agribusiness 🌱 Apply now and grow with us! 👉 Applications close Oct 1st, 2025 bit.ly/4lzaLag

Emma joined Sprout Agribusiness in November 2016 and currently serves as the Financial Controller. With more than 12 years of experience in agribusiness and business banking across Central and Northern New South Wales, she brings a wealth of knowledge and insight to her role.

🌱 Ready to take control of your agri-finance decisions? We’ve created a practical, easy-to-follow guide to help you navigate the complex world of agri-finance, backed by Sprout Agribusiness’s deep industry experience and independent research. sproutag.com.au/resources/

We’re heading back to AgQuip Field Days! 🚜🌾 Come say hello to the Sprout Ag team on August 19–20 at Site D|17A. We’d love to see you!

Here’s what you get when you partner with SproutAg: Access to agribusiness-friendly lenders Personalised advice tailored to your operation A clear understanding of your financial structure & future cashflows Face-to-face support when it matters most bit.ly/3ZTyKZ7