Grain Bin & Drying System Financing
Finance grain bins, drying systems, and on-farm storage. Structure payments around harvest income, B/C credit considered, deals from $50k up.
Storing your own grain puts the marketing decision back in your hands. You harvest when the crop is ready, dry it on your schedule, and sell when the price suits you rather than when the elevator has room. That flexibility has real dollar value, and it starts with the bin and the dryer. Building that storage is a capital project worth financing right.
We work with farms that are adding storage for the first time, expanding an existing bin site, or refinancing bins and dryers already in place. Projects start at $50,000, with many complete bin-and-dryer installations falling costing on the order of $150k to $500k. Long-term financing terms are available to match the asset life of permanent on-farm storage infrastructure.
Understanding On-Farm Storage Projects
A grain storage project is rarely just a bin. A complete system includes the bin itself, a continuous-flow or batch dryer, grain handling equipment to fill and empty the bin, aeration fans, and sometimes a concrete pad and electrical service. Financing the whole project as a single package usually makes more sense than piecing it together over multiple transactions.
Bin sizes range from small farm storage units holding a few thousand bushels to commercial-scale tanks that hold 500,000 bushels or more. Most grain farms that are adding primary storage are looking at bins in the 30,000 to 100,000 bushel range, sized to hold a meaningful portion of their annual crop. The dryer capacity needs to match the harvest rate the combine and grain cart can deliver.
Drying systems fall into two main categories. Batch dryers dry a fixed volume at a time and then transfer it to storage. Continuous-flow tower dryers move grain through steadily and can handle high harvest rates without bottlenecks. Column dryers and cross-flow models occupy a middle ground. Each type has different capital costs and operating fuel or energy costs per bushel dried.
Aeration systems, which keep stored grain cool and uniform in moisture, are a separate but important line item. Proper aeration reduces spoilage risk over a long storage period and is worth financing alongside the primary bin and dryer.
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How We Structure On-Farm Storage Financing
Permanent on-farm storage qualifies for longer financing terms than typical equipment because of the asset's useful life. Bins and dryers last decades with proper maintenance. Terms of seven to ten years are common on complete projects, which keeps the monthly payment manageable relative to the cash-flow benefit of on-farm storage.
A seasonal payment structure makes particular sense for grain storage financing because the financial benefit of storage is realized at marketing time, not evenly through the year. We can build a structure where larger payments coincide with the months when grain sales typically occur, and lighter or skipped payments fall during the high-input months of spring and summer.
Section 179 and bonus depreciation rules affect how storage infrastructure is treated at tax time, and that affects how some buyers prefer to structure the deal. We are not tax advisors, but we work alongside farmers' accountants often enough that we know the questions to ask so the financing structure does not create surprises at year-end.
For projects that include construction and equipment together, we can sometimes fund in stages or work with a draw structure. Talk with us early in the planning process rather than after the contractor is already lined up.
Farm Refinance Questions
In many cases yes. When the construction and equipment are part of the same project, we can often look at the whole scope together. We may need a contractor estimate and a breakdown of costs. Discuss this with us early so we can structure the deal to cover what you actually need.
Existing bins with equity can sometimes support a new financing request, depending on the values and your overall credit picture. A cash-out refinance on the bins is another option that frees up capital directly. We can look at both approaches and tell you which makes more sense.
We consider B and C credit applications. A short explanation of what happened and evidence that the operation is recovering helps the file. The value of the asset and your ability to service the debt going forward are the main factors we weigh.
Straightforward transactions close in one to two weeks. More complex projects involving construction components may take a bit longer to document properly. If you have a construction timeline, let us know upfront and we will work backward from it.
Not necessarily. You can apply with a project budget and firm it up with specific equipment as the process moves forward. Having a quote from a bin manufacturer and a dryer dealer helps us be more precise on terms, but a rough project scope is enough to get the conversation started.
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