Harvester Financing & Refinancing
Finance or refinance harvesters across crop types: grain, forage, specialty, and row-crop. Seasonal payment structures, fast funding, B/C credit considered.
Harvest is what every other field operation points toward. Whether it's grain coming off a combine, forage going into a chopper and then a bunker, cotton being stripped into a module builder, or vegetables moving through a mechanical harvest rig, the harvesting machine is the point where the season's work converts to something you can sell. We finance harvesters across a wide range of crop types, from the grain combines that dominate the Midwest to the specialty harvesters used in fruit, vegetable, and industrial crop production.
The financing approach varies by machine type, but the fundamentals are the same: the machine's value, its condition, and the operation's income pattern set the structure. Harvest machines that earn in a concentrated seasonal window benefit from payment schedules that front-load toward that income event. We build that into the deal rather than locking you into a flat monthly that doesn't care what month it is. For grain combines specifically, our dedicated combine financing page goes deeper on that equipment category.
The Harvester Spectrum: Machines and Their Markets
Grain combines are the most commonly financed harvester type and the largest portion of our portfolio in this category. But the harvester market is broader. Forage harvesters, whether self-propelled choppers or pull-behind units, are a significant capital investment for operations that run large dairy or beef herds and manage their own silage. Our page on forage harvesters covers that segment in depth.
Cotton pickers and strippers are specialized, regional machines with substantial price tags. A new cotton picker from John Deere or Case IH runs in the range of $700,000 to over $1,000,000 for a new machine with a full module-building system. Used machines are significantly cheaper but still represent major investments. We handle those deals for operations in the cotton belt. Our cotton picker and stripper financing page covers that equipment specifically.
Specialty crop harvesters, including vegetable harvesters, potato harvesters, and orchard equipment, represent a different segment where the machines are often custom-built for the crop. Values vary widely, and the secondary markets for specialty machines can be thin. We look at those deals case by case.
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.
How We Finance Harvesters
The documentation requirements scale with the deal size. For harvesters under about $400,000, we work on an application-only basis with three months of bank statements. Larger machines, particularly new cotton equipment or high-end forage harvesters, require tax returns and a balance sheet because the loan size justifies the additional underwriting.
Approval timelines run one to three business days depending on deal size and documentation completeness. Funding is paced to the completed file after approval. For seasonal harvest operations where the machine goes to work shortly after purchase, that timeline works well as long as you reach out far enough in advance of the season.
Operations that use a harvester as their primary income-generating machine, and earn most of their income in a concentrated harvest period, are natural candidates for seasonal payment structures. A custom harvester who earns through a moving harvest window across multiple states, for instance, earns income in a different pattern than a farm-only operator, and we can accommodate both.
Farm Refinance Questions
We look at specialty equipment case by case. Thin secondary markets affect our ability to recover value if needed, which may result in a shorter term or different loan-to-value than for mainstream equipment. We'd want to understand the machine, its crop, and its use before committing.
Custom harvest income is business income and we can work with it. We'd want to see the contract base or client relationships reflected in your bank statement history. Custom operators often have business income concentrated in a narrow seasonal window, and we can structure payments to match.
A cash-out refinance against the machine's current value is the way to do that. We'd look at what the machine is worth and structure a loan against it, with the proceeds available for any business use. The machine stays in service the whole time.
Yes. Organic certification applies to the farm management and inputs, not to the machinery itself. An organic grain or vegetable operation financed through us uses the same equipment financing structure as a conventional operation.
Yes. If you're acquiring multiple pieces of harvest support equipment in the same transaction, we can often combine them in a single financing deal. That gives you one payment covering the whole outfit.
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