Tillage Equipment Financing & Refinancing
Finance or refinance tillage equipment including chisel plows, vertical tillage, strip-till, and subsoilers. Seasonal payments, fast funding, B/C credit.
Fall is when the tillage decisions get made. The combine clears the field and right behind it comes the chisel, the vertical tillage tool, or the disc, working the residue and setting the field up for the next crop's planting bed. The right tillage pass at the right time with the right tool makes spring planting more consistent and more forgiving. Tillage equipment is a steady category of agricultural capital investment, and we finance the range of it, from strip-till units to full chisel plow setups to deep ripper trains for compaction management.
Tillage equipment prices span a wide range. A single 45-foot vertical tillage tool from a major brand runs $60,000 to over $100,000. A large tandem disc combination, a strip-till machine with fertilizer capability, or a deep ripper with multiple shanks can run considerably higher. We work across that range and can pair the deal with seasonal payment structures that reflect the fall-harvest income pattern most grain operations run on.
Tillage Categories and Their Financing Characteristics
Tillage equipment spans several distinct tool types, each with its own market and wear characteristics. Chisel plows and deep rippers work at depth and carry heavy wear on the shanks and points. Vertical tillage tools run shallower and carry lighter wear but cover more acres per hour. Strip-till machines that also apply anhydrous or fertilizer in the same pass are complex, high-value implements that command premium prices in the secondary market because of that multi-function capability.
Residue management tools like large disc rippers and coulter carts are becoming more common as farmers manage heavy corn residue loads from high-yielding crops. These tools need to be matched to the right tractor horsepower, and their value in the secondary market is closely tied to their condition and to how well the secondary buyer's tractor can run them.
For row-crop farming operations that rely on precision tillage to set up accurate planting passes, the condition of the depth control system and the parallel linkage on row-unit tools is important. We ask about these when reviewing used equipment. For brands in the tillage space, our pages on Great Plains financing and Horsch financing cover two of the more prominent tillage and seeding brands we work with. Kverneland, another major tillage-focused brand, is covered through our Kverneland financing page.
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.
Tillage Equipment Financing: Application to Funding
Application and three months of bank statements gets us started on most tillage deals. For single implements under $400,000, we typically don't need tax returns or a balance sheet. The process is streamlined to match how a farm operation actually runs, not how a bank's loan department is organized. Decision time for most tillage deals runs one to two business days. Funding is paced to the completed file.
Fall is the peak buying season for tillage equipment because operations are in the field and making decisions about what they need before winter shuts things down. We're set up to move quickly in fall when the demand is high. If you're buying at a farm auction or from a dealer who wants a quick close, let us know the timeline and we'll work around it.
The application-only financing program is available for most tillage deals because machines in this category typically fall below the $400,000 threshold where fuller documentation becomes required. That's a genuine advantage when you're in fall tillage mode and don't want to spend three weeks pulling together a full financial package.
Farm Refinance Questions
If you're rebuilding or upgrading a frame at the time of purchase, we can look at combining the components. The total deal needs to reach our minimum and the machine needs to be a real agricultural asset. Structural rebuilds with documented components are workable.
Yes. Strip-till machines with fertilizer and anhydrous application capability are fully eligible. These machines carry premium prices compared to basic strip-till tools, which generally works in your favor for the loan-to-value picture.
That's a tax question your accountant handles, but financing and Section 179 aren't mutually exclusive. A financed tillage tool can still be expensed under Section 179 in the year it's placed in service, which means you get the deduction without tying up capital.
If the implement has sufficient remaining value, yes. Tillage equipment depreciates faster than combines or tractors, so residual value depends on age and condition. A relatively new high-value implement often supports a refinance with equity remaining.
The old machine can be traded in through a dealer, or the transaction can be a straight purchase of the replacement. Age of the old machine doesn't affect the new deal. We're looking at the new machine's value and your credit picture.
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