Seeder & Air Seeder Financing
Finance seeders and air seeder systems for large-acreage grain and small-grain operations. Seasonal payments, fast approvals, B/C credit considered.
Large-acreage operations in the northern Plains and Canadian border country don't seed wheat and canola with a box drill. The acreage counts are too high, the windows are too tight, and the precision demands are too real. Air seeder systems, a combination of a cart that holds seed and fertilizer and a toolbar that places them both in one pass, are the standard equipment for high-acre small grain and oilseed operations. A single air seeder outfit covers hundreds of acres per day, and the investment to acquire one reflects that capacity.
Air seeder systems represent some of the largest single-implement investments in grain farming. A complete outfit with a 60-foot toolbar, a large-capacity cart, and a full precision system runs $250,000 to over $500,000 depending on brand, configuration, and whether you're buying new or late-model used. We finance those deals. We also finance the smaller seeder systems used by mid-size operations and diversified farms that seed pasture mixes, small grains, and cover crops on a more modest scale. The application starts the same way regardless of machine size.
Air Seeder Systems as Collateral
An air seeder is a two-piece system: the cart and the toolbar. Both have value, and both are part of the collateral picture. The cart carries the seed and fertilizer, runs the metering system, and provides the air source for seed delivery. The toolbar does the ground engagement, opens seed rows, places seed at depth, and closes behind the row. The two components are matched and typically sold and financed together, which simplifies the transaction.
Brand names in the air seeder market include John Deere (with the Conserva Pak and other toolbar systems), Case IH (the Early Riser system also applies here for small grains), Morris, Bourgault, and Seed Hawk on the toolbar side, with various cart manufacturers. In the northern Plains and Dakotas, Bourgault and Morris are particularly common because of their design for hard red spring wheat and canola conditions.
Age and the condition of the opener blades, packing wheels, and press wheels on the toolbar are the main factors in condition assessment. Cart components, including the metering rolls, seed tubes, and air lines, are also worth inspecting on a used machine. If you're refinancing an existing outfit, our farm equipment refinance program covers how that process works. If you're comparing air seeder options to a traditional grain drill, see our grain drill financing page for that category.
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Who Uses Air Seeder Systems
Large wheat and small grain operations in the Dakotas, Montana, and the northern Plains are the primary air seeder market. A farm seeding 5,000 to 15,000 acres of spring wheat, durum, or canola needs a system that can cover that ground in the short planting window available before summer heat arrives. Operations near Fargo, ND, Grand Forks, ND, and across the northern Plains run air seeder setups as their primary seeding system.
Commercial farms in Montana's golden triangle, the dryland small grain area around Great Falls and extending north, also represent a consistent market for large-frame air seeder systems. Farmers near Great Falls, MT plant hard red spring wheat and durum across terrain where an air seeder's ability to do seeding and fertilizer application in a single pass is both a time saver and a cost saver.
Large-scale commercial farms in these regions are our typical air seeder client, but we also work with medium-scale operations that are stepping up to their first air system from a conventional box drill and need a realistic financing structure to make that transition manageable.
Farm Refinance Questions
We can look at that scenario, but it adds complexity because the two components need to be matched and the documentation comes from two separate sellers. It's more straightforward to finance the complete outfit from a single seller when possible.
Yes. We handle applications entirely by phone, email, and electronic document submission. Geographic location doesn't affect the process. Farmers in the Dakotas, Montana, and the northern Plains are a core part of our client base.
Some air seeder toolbars can handle corn seeding with appropriate row spacing, but most large-frame air seeders are optimized for small-grain and canola row spacings (6-10 inch) that aren't compatible with 30-inch row corn. If you seed both crops at scale, separate equipment for corn planting is typically the better setup.
Our minimum is $50,000. Most air seeder outfits fall well above that, but entry-level and older used systems may come in at the lower end of the market. As long as the machine's financed value meets the threshold, we can work with it.
The tax treatment of financed equipment is a question for your accountant. A standard loan or dollar-buyout lease allows you to claim ownership-based deductions like Section 179. We'd structure the deal in a way that supports whatever tax approach you're taking, but the accounting decision is yours to make with your CPA.
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