Dealer captive financing is great when you qualify and buying new. For used equipment, private sales, an operation under two years old, or credit with a story, an independent program is often the only path. That is where we come in.
What we finance
Trucks and trailers used on the farm, from grain trucks to livestock trailers, are financed on the same application.
Structures built for farm cash flow
- Annual and semi-annual payments timed to harvest or contract payments.
- Seasonal skip for operations with a dead season, on established files.
- Longer terms on tractors and combines, out to 84 months, because they hold value.
- Sale-leaseback on paid-off equipment to raise operating capital without a bank line.
Used, private party, and auction
A lot of good farm equipment changes hands at retirement auctions and between neighbors. Those deals fund with a bill of sale, serial number verification, photos with the hour meter, and sometimes an inspection. Get pre-approved before an auction so the lender can pay inside the sale terms.
Who we work with
Row crop and grain operations, dairy and livestock, hay and forage, orchards and vineyards, vegetable and specialty growers, custom harvesters, ag service contractors, and beginning farmers taking over ground from family or renting their first acres. Beginning farmers should expect a down payment and a personal guarantee, and should bring any lease agreements, contracts, or FSA paperwork they have.
What a payment can look like
Monthly equivalents for budgeting. Many ag programs restructure these into annual, semi-annual, or harvest-timed payments.
| Amount financed | Term | Strong credit | Average credit | Challenged or start-up |
|---|---|---|---|---|
| $38,000 | 48 mo | $944/mo | $1,018/mo | $1,114/mo |
| $95,000 | 60 mo | $1,967/mo | $2,157/mo | $2,407/mo |
| $210,000 | 72 mo | $3,775/mo | $4,204/mo | $4,778/mo |
| $385,000 | 84 mo | $6,175/mo | $6,983/mo | $8,069/mo |
Illustrative estimates only, not offers or quotes. Real payments depend on the funding program, credit, time in business, down payment, equipment age, and documentation fees. Seeing your actual options starts with a soft credit inquiry. Run your own numbers in the payment calculator.
Questions we get
Can I get farm equipment financing for a new farm?
Yes. Beginning-farmer files work with 10 to 20 percent down, a personal guarantee, and any evidence of the operation: land lease, contracts, FSA involvement, or experience working another farm.
Do you offer annual payments?
Yes. Annual, semi-annual, and harvest-timed schedules are available through ag-focused programs on most tractor and harvest equipment deals.
Can I finance used equipment from a neighbor or an auction?
Yes. Bill of sale, serial number, hour-meter photo, and a lien check. Auction buys need pre-approval before sale day.
How does this compare to dealer financing?
Dealer captive programs win on rate for new equipment and strong credit. Independent programs win on used equipment, private sales, younger operations, and credit that needs explaining. We will tell you if the dealer offer is the better one.
