Farm Implement & Attachment Financing
Finance farm implements and attachments including cultivators, ripper bars, brush hogs, and specialty tools. Flexible terms, B/C credit considered, fast.
Implements are the working end of the tractor. The machine that pulls them gets most of the attention and most of the budget, but the ripper toolbar that breaks pan layer, the heavy tandem disc that incorporates residue, the cultivator that keeps the rows clean, and the brush hog that keeps the fence rows clear all add up to a significant share of total machinery investment. Financing implements alongside or separately from the prime mover makes sense when the numbers pencil out.
We finance farm implements and attachments for grain, livestock, specialty crop, and general farm use. Deals start at $50,000, which means single large implements or packages of complementary tools can qualify. Payment timing can align with the seasonal cash flow that drives most implement purchases.
Implements and Attachments We Finance
The implements category is broad. Here are the types that come through our program most often:
- Tillage implements: Vertical tillage tools, heavy tandem discs, field cultivators, moldboard plows, subsoil rippers, and strip-till machines. A large-frame vertical tillage implement on 60-foot width can cost $150,000 or more. See also our page on tillage equipment financing.
- Planting tools: Row unit upgrades, precision placement attachments, and down-force systems added to existing planters. These components can add $1,000 to $4,000 per row when purchased in a package across a 48-row planter.
- Loader attachments: Grapple buckets, bale clamps, manure forks, silage grab forks, and precision material buckets for skid steers and Telehandlers. A complete attachment package can run $15,000 to $50,000 and is often purchased with the host machine.
- Hay tools: Hay rakes, tedders, bale accumulators, and bale handling equipment. See our dedicated page on hay and forage equipment financing for more on that category.
- Specialty attachments: GPS-controlled rate controllers, boom section valves, automatic fold systems, and other technology upgrades added to existing equipment. These can qualify when the total project meets the minimum.
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 Implement Financing Works
Implement and attachment financing follows the same application process as other farm equipment. For amounts up to about $400,000, a credit application and equipment details are the main requirements. Most decisions come back in a few business days and funding on a completed-file timeline.
The challenge with implements is that many individual items are below the $50,000 minimum on their own. The answer is to package complementary tools together when they are being purchased at the same time. A soil ripper plus a field cultivator, or a set of loader attachments purchased as a complete package, often reaches the financing threshold when an individual item would not.
For implements purchased as part of a larger deal that includes the tractor or prime mover, we typically include the implements in the same transaction. A tractor and matched implement package is a single deal from our perspective.
Farms that own implements outright and want to pull capital from them can explore a cash-out refinance, though implement values depreciate faster than most other farm equipment types. The more specialized the implement, the smaller the market and the lower the residual value for financing purposes.
Section 179 and bonus depreciation provisions often make implements particularly favorable from a tax standpoint because the asset cost can be deducted fully in the year of purchase. The interaction between buying versus leasing implements and those tax provisions is worth discussing with your accountant before structuring the deal.
Farm Refinance Questions
Precision planting row unit packages can sometimes be financed as stand-alone projects if the total cost meets the $50,000 minimum. On a large 24- or 48-row planter, a full row unit upgrade often reaches that threshold. Bring us the total cost and we will tell you if it qualifies.
Yes. A tractor and implement package from a single dealer is a natural candidate for a combined transaction. We look at the total purchase price and structure one deal rather than separate ones for each piece.
Brand recognition affects residual value estimates, which affects how much we will lend relative to the purchase price. Well-known import brands in the implement market, such as Krone, Horsch, or Vaderstad, are financeable. Niche brands with very limited U.S. resale markets may be harder to work with.
A seasonal or skip-payment structure is available for implement loans just as it is for tractors and other equipment. We build the structure so the heavier payments land in the months when your cash flow is strongest, typically after harvest. The total cost is transparent before you sign.
We look at the overall debt picture as part of underwriting. If your existing debt load is manageable relative to income, an additional implement loan may still work. If the debt load is already strained, we will be direct with you about what is and is not possible rather than putting you into a deal that does not fit.
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