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Our All In One account offers a number of advantages over traditional term loans and overdraft facilities, providing flexible long term finance and access to working capital.

Watch the video to see how the All In One  account stacks up against your existing facilities.

Flexibility and convenience

• Freedom to pay down debt in good times with no penalties if you repay your variable rate loan early
• Ability to access capital quickly by redrawing funds when you need them, without penalty
• Flexibility to adjust your repayments to alleviate any cash-flow pressures
• Range of interest rates can be fixed online or by phone on any portion of the loan for 30 days to 5 years (with no further documentation) including forward bookings, giving you greater control over your interest rate risk
• Trade facility so you can buy goods in foreign currencies through a single account
• Choice of phone, online banking and mobile banking plus Debit MasterCard facilities
• Multiple All In One accounts are available

Making life easier

• Easier reduction of core debt Save time transferring money between accounts and reduce interest as income automatically goes against debt, reducing your loan balance.
• More control It’s self managed, essentially acting like a revolving line of credit.
• Easier to manage Removes the need to apply for and manage individual loans.
  Ideal for cash flow management and maximising efficiency of busy, time poor farmers. 
• Pay interest when it suits Interest payments can be timed to suit your peak income periods with no minimum repayment as long as you remain within your loan limit.