Planter Financing & Refinancing
Finance or refinance planters for corn, soybean, and row-crop operations. Seasonal payments align with harvest income. Fast approvals, B/C credit welcome.
The planter sets the ceiling on the whole crop. Seed placement, population, depth, and spacing in the first few days of May shape everything that follows, right through to what the combine picks up in October. A planter that's accurate, fast enough to cover the window, and matched to the operation's row spacing and soil type earns its cost in yield every season. We finance and refinance corn and soybean planters for row-crop operations of all sizes, with terms structured for the reality that a planter earns in spring and the income arrives in fall.
Planter prices have climbed steadily over the past decade. A new large-frame planter with individual row electric drives, downforce control, liquid fertilizer capacity, and a full precision package easily runs $250,000 to $400,000 for a 24-row configuration. Used machines in good condition with updated row units are still a significant investment at $80,000 to $200,000 depending on size and features. We finance both ends of that range. Kinze, John Deere, Case IH, Great Plains, and Horsch are the brands we see most frequently in our portfolio.
How a Planter's Specifications Affect Its Financing
Planters are spec-heavy equipment. Row count, row spacing, downforce system, drive system (traditional chain versus individual electric row unit drives), liquid fertilizer capacity, closing wheel configuration, and the precision management system all affect what a machine is worth in the secondary market and therefore what a lender can finance against it.
Individual row electric drives, most commonly from Precision Planting's e-set or from John Deere ExactEmerge, have become highly sought after in the used market because they offer variable speed planting, on-the-go population changes, and better singulation than traditional finger pickups. A planter upgraded with individual row drives can command a significant premium over the same frame with a standard seed delivery system.
Row unit upgrades and precision system additions made after the original purchase can affect the machine's collateral value if they're well-documented. Mention any upgrades when you apply. For brand-specific deals, our pages on Kinze financing and Great Plains financing cover those brands more specifically. The John Deere DB60 planter refinancing page is available if you're looking at that specific Deere model.
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.
Refinancing a Planter You Already Own
A planter sitting in the shed with equity in it is a resource the operation can tap before the season starts. A cash-out refinance pulls working capital out of that equity without requiring a sale. Seed, fertilizer, cash rent, and operating expenses can be covered without drawing down an operating line or waiting for the next harvest check to arrive.
The refinance process for planters follows the same path as any equipment refinance: we look at the payoff balance, the machine's current value, and what structure makes sense for the operation going forward. If your current loan is priced at a rate that hasn't kept up with market conditions, refinancing to a better rate reduces the total cost over the remaining life of the deal.
Sale-leaseback is another option for planters owned free and clear. You sell the machine to a financing company and immediately lease it back, freeing the full asset value as cash while the planter stays in your barn and goes into the field next spring. See our sale-leaseback page for how that structure works in practice.
Farm Refinance Questions
Yes. If you're acquiring the planter and precision upgrades together in one transaction, we can include them in the same deal. Precision components that significantly improve the machine's value and functionality can often be financed alongside the base equipment.
A paid-off planter with solid current market value is a good candidate for a cash-out refinance. The timing works well for spring inputs because you can have funds in hand well before the calendar hits the planting window.
We're configuration-neutral. The row spacing and width affect the machine's value, which affects the loan amount, but we don't have restrictions on which configurations we'll finance. Larger planters on a per-machine basis simply represent a larger deal.
Auction purchases have short payment windows, so timing is tight. If you know the machine you're targeting in advance, reach out before the auction and we can have a pre-approval or firm commitment ready. Private-party auction deals are something we handle, but early notice is important.
For a deal in that range, an application and three months of bank statements is typically sufficient. We may ask for additional information about the machine but generally don't need full tax returns for transactions in that price range.
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