Agricultural Equipment Financing

Tractors, Combines, Planters, Sprayers & Farm Implements

Agricultural equipment financing has unique dynamics: seasonal cash flow, land value, and crop cycles all affect how lenders underwrite deals. EFN works with lenders who understand farming operations and can structure payments around harvest schedules rather than forcing a standard monthly payment on a seasonal business.

Equipment we cover in this category

• Row Crop & Utility Tractors
• Combines & Grain Headers
• Planters & Air Seeders
• Self-Propelled Sprayers
• Hay Equipment (balers, mowers, rakes)
• Grain Handling Equipment
• Irrigation Systems
• Livestock Equipment

Typical deal parameters

Typical deal size

$25,000 – $1,500,000

Time in business

Farm operations of any size considered; new farm start-ups evaluated case by case

Credit

600+ FICO preferred; land assets and equipment equity considered in underwriting

Select lenders in our network offer seasonal and skip-payment structures specifically designed for agricultural operations.

How EFN works

1. Tell us about the equipment, your business, and the amount you need. It takes about five minutes.
2. A person reviews your profile against lender appetite criteria — your file is not blasted to a list.
3. When there is a genuine fit, we introduce you to that funding source and tell you the moment it happens.

Equipment Funding Network is a match and routing service, not a lender. EFN does not make credit decisions and does not set your financing terms — the funding source does. There is no cost to you to use EFN.

Related categories

Construction Equipment · Vocational Trucks · Manufacturing Equipment