Irrigation System & Center Pivot Financing
Finance center pivots, drip systems, and pump stations for your irrigated acres. Long-term structures, B/C credit considered, seasonal payment options.
Rain is not always there when the crop needs it. An irrigation system is how you take that variable out of the yield equation, at least partly. A center pivot running on a good aquifer, or a drip system dialed in on a vegetable or specialty crop, gives you control over moisture that the forecast cannot provide. That level of control is worth a capital investment, and spreading that investment over time is the way most operations afford it.
We finance center pivot systems, drip and micro-irrigation infrastructure, surface irrigation systems, and pump stations. Transactions start at $50,000. A single center pivot installation, including the pivot tower, drop hoses, end guns, and pump station, commonly runs from $80,000 to over $200,000 depending on span length and technology level. We finance new installations, upgrades to existing systems, and refinances of irrigation infrastructure already in place.
Irrigation Systems We Finance
Center pivots are the most common large-scale irrigation investment on row-crop ground. A standard quarter-section pivot covers about 130 acres. Longer pivots span more ground and cost more. Modern pivots from manufacturers like Valley, Reinke, Zimmatic, and Lindsay come with variable-rate irrigation capability, GPS-guided field management, and remote monitoring through mobile applications. These technology additions add cost but also add the ability to manage water precisely based on field prescriptions.
Drip and micro-irrigation systems are the standard in many specialty crop and vegetable operations. These systems deliver water directly to the root zone, reducing evaporation and allowing fertigation. The infrastructure cost per acre can be higher than center pivots, but so is the crop value per acre on most specialty crops. Orchards and vineyard blocks financed through a drip system investment can see substantial improvements in yield consistency and fruit quality.
Pump stations and well equipment often go hand in hand with the irrigation system itself. If you are putting in a new pivot or upgrading a drip system, the pump infrastructure is part of the project and can be financed as part of the same transaction.
Surface irrigation, including gated pipe and headgate systems for flood irrigation on rice, alfalfa, and other crops suited to that method, also qualifies for financing. Rice operations in Arkansas and the Mid-South often carry significant irrigation infrastructure investment that can be refinanced or used to generate working capital.
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How Irrigation Financing Works
Irrigation infrastructure has a long useful life, which supports longer financing terms. Center pivots with proper maintenance run for 25 to 30 years or more. That lifespan makes 7- to 10-year terms common on new system financing, keeping the monthly payment reasonable relative to the yield protection the system provides.
Seasonal cash flow is a real consideration for irrigated operations. Crop income concentrates at harvest. A seasonal payment structure that puts payments in the fall and early winter, with lighter or skipped payments during the heavy spring input season, can ease the cash flow management significantly.
For deals up to around $400,000, the application process is straightforward. A credit application and details on the system being installed or financed cover most of what we need. Larger projects, particularly those involving multiple pivots or a full drip installation on several hundred acres, may need additional farm financial information. We try to scale the documentation request to the size of the transaction.
If you carry an existing pivot loan at a rate that no longer looks good, a refinance is a direct path to a lower payment or a better term. We pay off the prior lender and replace the loan without requiring you to sell the system.
Farm Refinance Questions
Yes. The pump station and any well upgrades that are part of the same irrigation project can typically be included in the same financing transaction. We will need a breakdown of costs for each component.
Paid-off pivots are eligible for a cash-out refinance. The amount available depends on the current value of the systems and your overall credit picture. We can tell you quickly how much we can work with and what the terms would look like.
We consider B and C credit applicants. An explanation of the prior default and evidence of stabilized operations helps the underwriter. The collateral value of the irrigation system is a factor in our decision, and long-lived infrastructure like a center pivot is good collateral.
Sometimes. When installation and engineering are part of the same project invoice, we can often include those costs. What we cannot finance is soft costs that are not tied to a specific asset. Talk to us about what your project breakdown looks like and we will let you know what qualifies.
Yes. A refinance is straightforward. We look at the remaining balance, the current value of the pivot, and your credit to determine what we can offer. If we can lower your payment or rate, we will lay out the numbers and you can decide if it makes sense.
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