Can payments be scheduled around harvest instead of monthly?

Yes — annual, semi-annual, and harvest-aligned schedules are standard in agricultural equipment financing. This is one of the few asset classes where lenders expect and accommodate a non-monthly payment calendar.

Does a trade-in count as my down payment?

Almost always. Trade equity on the unit being replaced is treated as cash equity, which is why many operations move up a machine generation with no money leaving the account.

We cash-rent most of our ground. Does that hurt the file?

It is a factor, not a barrier. Lenders look at lease tenure and landlord relationships. A long-standing cash-rent operation with documented history and crop insurance underwrites well.

What about a bad crop year in the trailing financials?

A single weak year with a clear cause — drought, hail, a price collapse — is understood in this sector, especially with crop insurance proceeds in the record. Multi-year deterioration is a harder conversation.

Agriculture

Farm & Agricultural Equipment Financing

Agricultural cash flow is annual, not monthly, and financing that ignores that fact creates a payment schedule that fights the operation instead of supporting it. Harvest-aligned and skip-payment structures exist precisely because a row-crop operation generates most of its revenue in a handful of weeks. The equipment itself — tractors, combines, sprayers, irrigation — holds value well enough to carry a file that would look thin on trailing monthly deposits.

Quick answer

Farm equipment financing for row crop, livestock, and specialty operations. Tractors, combines, sprayers, and irrigation from $40K to $5M with seasonal payments.

Price farm & agricultural equipment financing

Two quick steps. An advisor responds within 24-48 hours.

The numbers on this asset

Typical unit cost

$65K utility tractor – $750K late-model combine

Financed range

$40K – $5M across an equipment package

Term

36 – 84 months

Payment structure

Annual, semi-annual, or harvest-aligned schedules available

Who finances farm & agricultural equipment

Row-crop operations trading up combines or planters ahead of a season
Livestock and dairy operations adding feed handling, mixing, or manure management equipment
Specialty and orchard growers financing harvesters, sprayers, and cold storage
Custom operators and ag service businesses expanding acreage capacity under contract

Recent structure

A combine trade with an annual payment schedule

A 4,200-acre corn and soybean operation in Iowa needed to replace a 2014 combine before harvest. Purchase price was $498,000 with a $180,000 trade allowance on the old machine. Rather than a flat monthly, we set a single annual payment due each December, after grain sales, on a 60-month term. Trade equity covered the down payment entirely, so no cash left the operation before harvest revenue arrived.

What underwriting actually looks at

Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.

Acreage, crop mix, and whether ground is owned or cash-rented

Crop insurance coverage, which materially strengthens a file in a drought or price-shock year

Trade-in equity from the unit being replaced, which frequently serves as the down payment

Payment timing aligned to the operation's actual revenue calendar rather than a flat monthly

Farm & Agricultural Equipment financing questions

Other equipment we place

Earthmoving

Excavators & Heavy Equipment

$50K – $5M across a fleet package

$25K – $4M

$60K – $2M (single unit or fleet block)

Get farm & agricultural equipment financing priced

Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.

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