Farming ties up cash for months between planting and payday. Farm and agricultural equipment financing lets you buy the machinery you need now and pay on a schedule that fits your season — using the equipment as collateral for flexible approvals.
What growers finance
- Tractors & combines — new, used, or auction buys.
- Implements — planters, sprayers, tillage, balers.
- Grain & livestock — handling, storage, feeding systems.
- Trucks & trailers — hauling crops and inputs.
Seasonal-friendly: many ag lenders offer annual or harvest-timed payments, so your equipment cost lines up with when the money actually comes in.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | Startup-friendly on equipment |
| Credit score | Flexible — equipment secures the loan |
| Payment schedule | Monthly, annual or seasonal |
| Documents | Application + equipment quote |
Need cash for seed, fuel or labor too? Add working capital or explore full equipment financing.
Frequently asked questions
Can I finance used or auction equipment?
Yes — new, used, dealer, auction or private sale.
Are seasonal payments available?
Often — annual or harvest-timed schedules are common in ag lending.