Equipment Financing
Agricultural equipment financing helps farmers and ag operations acquire tractors, harvesters, irrigation systems, and farm machinery. When banks or dealer programs decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure. Brokers and equipment dealers can refer opportunities through the referral partner process.
Farmers and ag operations need capital to replace aging machinery, add irrigation, and expand capacity. Banks often restrict agricultural lending due to seasonal revenue, commodity price risk, or exposure limits. When traditional sources decline, equipment financing through alternative lenders may create options depending on deal structure, collateral, and revenue.
Farm equipment dealers and brokers routinely encounter buyers who were declined by banks or in-house programs. Without a referral channel, those deals may not move forward. Agricultural equipment financing through referral partners provides a path for deals that may qualify depending on structure, revenue, collateral, and lender guidelines. Financing options vary by lender; what one source declines, another may consider.
Farm machinery—tractors, harvesters, irrigation—often has strong collateral value and established resale markets. That can support equipment-backed structures when revenue and structure align with lender guidelines. See what is equipment financing and equipment vendor financing partners for broader context on how equipment deals are evaluated.
Situations where agricultural equipment financing is often sought:
Agricultural equipment financing operates through referral networks. A broker, equipment dealer, or advisor with a signed referral agreement submits the deal. The financing partner evaluates the opportunity and, if appropriate, matches it to a lender in their network. The referral partner does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes.
Deals are reviewed based on multiple factors: credit profile, revenue, time in business, equipment type and value, crop type, and structure. Opportunities may qualify depending on how these factors align with lender appetites. No approval is promised—each deal is evaluated on its merits.
Tractor purchase declined by dealer program. A farmer needs a new tractor; the dealer's in-house program declined due to credit. The dealer refers the deal to a referral partner network. An alternative lender with equipment-backed financing may consider the deal depending on structure and collateral.
Irrigation equipment declined by bank. An operation needs pivot irrigation; the bank declined due to seasonal revenue or exposure. The operation's consultant refers the client to a financing partner. Equipment financing may create options depending on revenue and collateral.
Broker deal outside lender box. A broker has a solid agricultural equipment deal that does not fit any of their current lenders. They submit to a referral partner network for evaluation. The network may match the deal to a lender with different guidelines.
Brokers use agricultural equipment financing when deals fall outside their primary programs. Equipment dealers use it when in-house financing declines a buyer. Consultants and CPAs use it when clients need farm equipment and have been declined elsewhere. The common thread: a need for a different evaluation than the first lender provided.
Equipment financing is not a guarantee. It is an additional path to explore when the first path did not work. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower and equipment details by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Tractors, harvesters, combines, irrigation systems, tillage equipment, sprayers, and other farm machinery. Lenders evaluate equipment type, useful life, and resale value. Eligibility varies by lender and program.
Banks may decline due to seasonal revenue, commodity price risk, credit, or exposure limits. Alternative lenders may evaluate agricultural equipment deals differently based on collateral, revenue, and structure. Each deal is evaluated on its merits.
Equipment dealers with a signed referral agreement can refer buyers declined by in-house programs. Dealers introduce the opportunity; the financing partner evaluates it. Learn how vendors get paid for referring financing when deals close.
Credit requirements vary by lender. Equipment-backed deals may consider borrowers with lower credit when machinery collateral and revenue support the transaction. Approval is not guaranteed—each deal is evaluated on multiple factors.
New or beginning farmers may qualify depending on lender guidelines. Some programs consider newer operations when equipment collateral and structure support the transaction. Time in business requirements vary by lender. Each deal is evaluated on its merits.
Yes. Brokers and vendors who refer deals must have a signed agreement with the financing partner. The agreement defines compensation, protects both parties, and establishes the process.
Livestock, dairy, and other ag operations may qualify for equipment financing—milking systems, feeding equipment, and related machinery. Eligibility varies by lender and program. Each deal is evaluated on structure, revenue, and collateral.
Have an agricultural equipment deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
