Grain Auger & Conveyor Financing
Finance grain augers and conveyors for faster bin-filling and grain handling. Flexible payment structures, B/C credit considered, decisions in days.
Moving grain from the combine to the bin or from the bin to the truck is not glamorous work, but the speed at which you can do it matters. A slow auger or an undersized conveyor becomes the bottleneck that slows everything else down, from the cart to the combine to the dryer. Farmers who upgrade their handling equipment often say it changes the whole harvest rhythm.
We finance augers, swing-away conveyors, grain legs, and portable handling systems for grain operations of all sizes. Deals start at $50,000, and many handling system packages fall costing on the order of $75k to $200k depending on capacity and automation level. Used equipment qualifies, and payment timing can flex to fit the harvest season.
Grain Handling Equipment That Qualifies
The category covers a wide range of equipment. On the simpler end, a portable swing-away auger handles bin-filling with manageable capital cost. Larger operations often finance complete grain handling systems that include a receiving hopper, a high-capacity grain leg, and automated distribution conveyors that route grain to multiple bins without repositioning.
Key distinctions that affect both price and financing structure:
- Capacity (bushels per hour): portable augers might run 5,000 to 10,000 BPH; commercial legs can move 20,000 BPH or more
- Drive system: PTO, electric motor, or hydraulic
- Portability vs. permanent installation
- Degree of automation: manual spout control vs. automated bin-filling with sensors
- Material: galvanized, stainless, or standard steel (matters for wet grain and certain crops)
Permanent grain handling installations that tie into a grain bin and drying system sometimes package together for financing. We can look at the whole grain center as one project if that makes the numbers cleaner.
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Financing Steps and Timeline
For equipment valued up to about $400,000, the application is the main document needed. We ask for basic business and equipment information, and most decisions come back within a few business days. Funding typically happens within one to two weeks of approval, which matters if you are trying to have equipment installed before harvest or before a drying season.
Farmers who prefer predictable payments through the year often choose a standard loan over 36 to 84 months. Others prefer a seasonal payment structure that concentrates payments after harvest when the cash is in the account. Both options are available, and we can show you what each one looks like on paper before you commit.
Used handling equipment qualifies for financing in most cases. A dealer invoice, auction receipt, or private-party bill of sale works as the purchase document. If the equipment is already owned and paid off, a refinance can pull cash from it for other operating needs.
Farm Refinance Questions
Yes. We can often package complementary equipment together, including augers, legs, dryers, and bins, into a single financing transaction. This simplifies the paperwork and can make the monthly payment structure cleaner.
We do. The equipment's location does not affect eligibility. What matters is who is responsible for the debt and that the equipment has clear title or will after the transaction closes.
Not significantly. We finance private-party purchases regularly. We will need a bill of sale and basic information about the equipment. An inspection report helps if you have one, but it is not always required.
Term length on used equipment depends on age and condition. We typically work within 36 to 60 months on older used equipment, and up to 84 months on newer or higher-value items. We will match the term to what makes sense for the asset.
Often yes. When multiple pieces of equipment are purchased together, we can look at packaging them. Bring both items to us and we will let you know if a combined structure works better than separate deals.
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Send the equipment list, payoff details, estimated values, and timing for a direct refinance review.
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