John Deere Financing
Refinance your John Deere tractor, combine, or sprayer and free up cash flow. We work with new and used iron, B/C credit considered, funding in about 1-2 weeks.
Harvest money comes in October. Loan payments come in every month whether the corn is sold or not. That gap is exactly why so many operators with John Deere iron in the shed come to us looking for a better payment structure. We finance and refinance John Deere equipment across the full lineup, from the utility row to the big articulated machines that pull the widest planters across the ground. If the payment you are carrying right now does not match the season your cash actually runs on, it is worth a conversation.
John Deere builds some of the most widely traded farm equipment in the country, which means strong used values and a financing market that can move fast when the deal is right. We work with buyers financing new iron from a dealer, operators refinancing used machines they bought private party, and farms that want to pull equity from paid-off equipment without selling it. The brand is not the barrier here. The question is what the machine is worth and what the season looks like for your operation.
The John Deere Lineup We Finance Most Often
The machines we see most often fall into a few clear categories. Row-crop tractors are the backbone, and John Deere 8R refinancing comes up as often as any single model request we handle. The 8R family covers a wide horsepower band and holds value well enough that refinancing one often frees up meaningful cash without a large payoff balance. The 9R series is the next step up for operators farming serious acres, and those machines carry the kind of ticket price that makes payment structure matter.
On the harvest side, the S-series and X9 combines are what we see from grain farmers. S780 refinancing is common among corn and soybean operations that bought during the peak years and are now looking to reduce the monthly drag. The X9 is a newer machine with a higher ticket, but the underlying logic is the same. If the combine paid for two harvests already, the equity might be worth pulling out at today's rates rather than leaving it sit.
Sprayers and planters round out the most frequent requests. The R4038 sprayer carries the kind of value that supports a real loan, and the DB60 planter is among the larger planters we routinely finance. Both are the sort of specialized equipment that conventional lenders sometimes hesitate on, which is where we do our work.
Equipment Brands
Bobcat Financing
Finance or refinance your Bobcat skid steer, compact track loader, or telehandler for farm use. Competitive ag financing, seasonal.
Challenger Financing
Finance or refinance your Challenger MT800 or other track tractor. Seasonal payment structures, high-value collateral welcome, B/C credit.
Deutz-Fahr Financing
Finance or refinance your Deutz-Fahr tractor or combine. European precision ag equipment financing, seasonal structures, streamlined file.
How the Process Works for John Deere Equipment
Start with a simple application. For equipment up to around $400,000, many deals close on the application alone without a full financial package. Above that range, we typically ask for three months of bank statements and current business financials. The collateral is the machine itself, so if the equipment has solid value, the conversation moves faster than you might expect from a conventional ag lender.
After the application, we work on structure. That means matching the term and payment to your actual cash flow calendar. Seasonal payment structures are available for operations where income concentrates at harvest. Skip-payment months can align with the slow stretch between planting inputs and grain sales. A straight refinance lowers the payment or pulls out equity. A Sale-Leaseback Farm Equipment puts cash in hand from equipment you keep using. We cover all of those.
Funding typically runs about one to two weeks from the time we have a complete application. That is faster than FSA or most bank lines, and it matters when a dealer deal has a window or when you are chasing a used machine someone else is also looking at.
Farm Refinance Questions
Yes. If the machine's current market value is above what you owe, a refinance can lower your payment, extend your term, or pull out cash. We pay off the existing lender and set up the new loan. The key is that the equipment value needs to support the new loan amount.
Hours affect value, and value is what supports the loan. We can often work with higher-hour machines if the price reflects it and the equipment is in working condition. We look at what the machine is actually worth, not just what it was worth when new.
B and C credit is something we work with regularly. The story matters as much as the score. If the machine has value, the operation has income history, and there is a reasonable explanation for the credit situation, we have options that conventional lenders typically do not offer.
A seasonal structure lets you pay more in months when cash is coming in and skip or reduce payments in the slow months. For grain farmers, that often means larger payments in late fall and winter after harvest and smaller or skipped payments in spring when input costs are highest. We structure these based on your actual revenue calendar.
Most straightforward refinance deals fund on a completed-file timeline from a complete application. Deals with more complexity, like higher loan amounts or complicated title situations, can take a bit longer, but we are generally faster than a bank or FSA process.
Yes, and it is one of the cleanest ways to pull equity out of paid-off iron without selling it. We buy the equipment and lease it back to you, so you keep using it and get a lump sum of cash. The payment becomes an operating expense rather than a capital payment.
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