Grain Combine Financing & Refinancing
Finance or refinance grain combines for corn, soybean, and wheat harvest. Fast approvals, seasonal payments, B/C credit considered. Get started today.
Grain harvest is what the whole year points toward. The planting, the inputs, the summer management, all of it runs toward those weeks in fall when the grain goes from field to bin. A grain combine that's reliable, well-matched to the crop and acreage, and financed in a way that doesn't crush the operation through winter is the machine the year depends on. We work with grain farmers to structure combine financing around that reality, with seasonal payments that front-load toward harvest cash and reduce the burden through the months before it arrives.
Grain combines cover corn, soybeans, wheat, grain sorghum, sunflowers, and small grains depending on how the machine is configured and what headers it's running. The machines vary from smaller class 6 and 7 units on modest acreage to the largest class 9 combines covering thousands of acres in a season. We finance the full range and pair the deal with the right header financing when the whole outfit is being acquired together. Our page on corn heads and grain headers has more detail on how that side of the deal works.
Grain Combines: Value, Hours, and Configuration
The grain combine market has been active over the past several years, with strong demand for late-model used machines keeping prices elevated relative to historical norms. That's useful context if you're refinancing, because the machine you bought a few years ago may be worth more than you'd expect based on simple depreciation math. It's also context for buyers, because the secondary market for quality used combines is competitive and prices are not deep discounts off new.
Combine size class matters for how we look at the deal. A class 9 combine, the highest-capacity machines available, represents a significantly different asset than a class 6, both in price and in the buyer pool for it. Class 9 machines like the John Deere X9, the Case IH Axial-Flow 260, and the New Holland CR11 are big-acre machines priced accordingly, often $400,000 to $600,000 used in clean condition. We're comfortable financing those. Our specific page on the John Deere X9 refinancing covers that model's particular financing picture.
For smaller grain combines, the ticket prices are lower and the documentation requirements are lighter. We can often move on an application-only basis for machines in the lower price ranges, which speeds up the process considerably.
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Forage Harvester Financing & Refinancing
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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.
Grain Combine Financing Step by Step
The process starts with telling us about the machine. Make, model, year, hours, and configuration. From there we ask for your application and three months of business bank statements. For deals above roughly $400,000, we'll add two years of tax returns and a balance sheet. We tell you upfront what we need so you're not chasing documents after the fact.
Decisions typically come back within one to three business days depending on deal size and documentation completeness. Funding after approval runs about one to two weeks. On a complete package, you can realistically plan on having funds available in two to three weeks from initial inquiry, which is fast enough to handle most dealer situations and most private-party purchases.
Farmers who want to pull equity out of a grain combine they already own should look at our farm equipment refinance options. A cash-out structure can turn iron equity into working capital for seed, rent, or any other use, while the combine stays in the machine shed and goes back in the field next harvest.
Farm Refinance Questions
Yes. Seasonal operations are something we understand well. Wheat harvest income arrives in a concentrated window in June, and the payment structure can be aligned with that timing so the biggest installments land when the grain check is in the bank.
We don't set a hard age limit. Older machines are evaluated on condition, current market value, and the proposed loan structure. A 15-year-old combine in good shape with recent major service might still be a workable collateral asset on a short term. We'd tell you honestly based on what the machine is worth.
Yes. If the machine has maintained value and the rate or term on your original deal isn't working for the operation, a refinance can restructure it. We'd look at your payoff balance, the current value of the machine, and what terms are available today.
For most deals we work from published value guides and the machine specifications you provide. An independent appraisal isn't always required, but for large or unusual transactions we may request one.
Auction purchases have tighter timelines because payment is typically due within a few days of the sale. Let us know about the auction in advance and we can often have a pre-approval ready so you know your ceiling before the bidding starts.
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