Corn Head & Grain Header Financing
Finance corn heads and grain headers for row-crop and small-grain harvest. Standalone or bundled with combine financing. Fast process, seasonal payments.
The right corn head for your combine and your row spacing pulls more ears off the stalk and drops fewer onto the ground than a mismatched or worn setup, and over a big corn harvest that gap shows up in the cart. Corn heads are high-value, high-wear attachments that get replaced on a real-world schedule, not a wish list. When it's time to upgrade the head or pick up a used unit that fits the machine you're running, we can put the financing in place quickly so the deal doesn't hold up the acquisition.
Corn heads range from modest 6-row units for smaller operations to 16-row and beyond for big-acre combine setups. A new 16-row corn head from John Deere or Case IH clears six figures without much trouble. Even used, the larger heads command prices that justify a financing transaction rather than an out-of-pocket purchase. We handle those deals and can bundle the corn head with combine financing if you're acquiring both at once. Check our page on grain combine financing for context on how those two pieces fit together as one transaction.
Corn Heads as Collateral: Row Count, Brand, and Condition
A corn head's value in the secondary market is driven primarily by row count, row spacing (30-inch is standard for the Midwest, 20-inch for some specialty setups), the brand, and condition of the row units and gathering chains. Worn stripper plates and chains affect both performance and resale value, and a lender who knows this equipment asks about them. We do.
The major combine brands sell matched corn heads designed to maximize the integration with their feederhouse and feeding system. John Deere heads fit Deere combines best; Case IH heads fit Case machines best. That doesn't mean cross-brand setups don't work, but it does affect the secondary market picture for the head if the lender ever needed to recover it. For brand-specific deals, our pages on John Deere financing and Case IH financing cover how we approach those two major platforms in more detail.
Grain headers for small grains, a simpler auger-platform design used for wheat, oats, and barley, are typically less expensive than corn heads of comparable width. They're solid collateral on a short term and are commonly included in deals that also cover a wheat combine purchase. Farmers in the winter wheat belt around Salina, KS often pair a grain platform with their combine as a package.
Farm Equipment
Forage Harvester Financing & Refinancing
Finance or refinance forage harvesters and choppers for dairy and beef operations. Seasonal payment options, fast approvals, B/C credit.
Tillage Equipment Financing & Refinancing
Finance or refinance tillage equipment including chisel plows, vertical tillage, strip-till, and subsoilers. Seasonal payments, fast.
Grain Cart Financing
Finance or refinance a grain cart to keep harvest moving without bottlenecks. Streamlined file review to about $400k, seasonal payment.
Financing a Corn Head or Grain Header
Application, bank statements, and machine information is all we need to get started on most header deals. Because corn heads and grain headers typically fall below $400,000 in value, the application-only route is available in most cases. That means we're not asking for tax returns or a balance sheet unless the overall deal package pushes above that threshold.
Decisions come back quickly, often within a business day or two. Funding runs about one to two weeks from approval. If you're buying from a dealer or at an auction with a payment deadline, talk to us early and we can often have a pre-approval or a firm commitment in place before the sale date.
If you're purchasing an older used corn head from another farmer, the private-party process applies. You'll need basic documentation, but it's manageable. The private-party equipment purchase page explains what's involved in those transactions.
Farm Refinance Questions
Yes. A corn head is a standalone equipment financing deal. You don't need to be financing the combine through us to qualify.
Private-party purchases for corn heads are workable. You'll need a bill of sale and some documentation about the head, but the process isn't dramatically different from a dealer purchase.
If the head still has substantial value relative to the payoff, a refinance is possible. Most one-year-old major-brand heads do retain meaningful equity. We'd look at the payoff balance, current market value, and structure from there.
Upgraded precision row units do add to a corn head's value in many cases because they're sought after in the secondary market. If you've invested in a row-unit upgrade, mention that when you apply so we can account for it in the valuation.
If you're buying both at the same time, we can look at combining them into a single transaction. That simplifies the documentation and gives you one payment to manage.
Ready to refinance this equipment?
Send the equipment list, payoff details, estimated values, and timing for a direct refinance review.
Refinance
Brands & Models
Copyright © 2026 Farm Equipment Refinance. All Rights Reserved.