Tractor Financing & Refinancing
Finance or refinance any tractor from utility to high-horsepower. Seasonal payments, B/C credit welcome, funding in about 1-2 weeks. Get a quote today.
Seed time and harvest run on their own calendar, and the payment schedule on your tractor ought to respect that. A tractor is the piece of iron most farms can't do without, whether you're running 400 acres of corn ground or 2,000 acres of wheat. We work with farmers across the Midwest, Plains, and South to finance and refinance tractors of every size class, from compact utility machines to big articulated four-wheel-drives. The minimum we look at is $50,000, and the sweet spot tends to be $100,000 to $150,000 and up, which covers most late-model and recent-used tractors pretty comfortably.
If the tractor you're looking at is a private party purchase, we handle those too. Private-party equipment purchases follow a slightly different path than dealer transactions, but the timeline is similar. Either way, our goal is to get you funded before planting season turns into a scramble.
What We're Looking at When You Finance a Tractor
A tractor's value sits in the horsepower, the hours, and the configuration. A row-crop chassis with front-wheel assist and a cab holds its value differently than a bare two-wheel-drive loader tractor, and lenders who understand that price risk into the deal correctly. We look at the machine the way you do: what it's going to do, how many hours are on it, and whether the service records match the story.
High-horsepower tractors in the 300 to 500 PTO-hp range carry the biggest ticket prices and are some of the most common deals we see. A four-wheel-drive articulated unit from a major brand can easily run $350,000 to $500,000 used, and a new machine clears that by a wide margin. We're comfortable at those levels. For lighter duty work, utility tractors and compact tractors often fall into our application-only range if the machine value is under roughly $400,000 and the buyer has reasonable credit history.
Older machines with more hours still qualify in most cases. A 10-year-old tractor with 4,500 hours and a clean service record is a better collateral story than a newer machine that's been run hard with no paperwork to show for it.
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 the Financing Process Works
The process isn't complicated. You tell us what tractor you're looking at (or already own, if you're refinancing), give us three months of business bank statements, and complete a short application. For most requests under around $400,000, we can move on the application alone without a full financial package. Above that, we'll pull in tax returns and a balance sheet, but we'll tell you upfront what we need so you're not hunting documents after the fact.
Approval generally comes back within a day or two. Funding runs about one to two weeks from approval. That's fast enough to handle most dealer situations and most private-party buys. If you're refinancing something you already own, the timeline is similar, and you have the option of a straight refinance to lower the rate or monthly payment, or a cash-out refinance to pull working capital out of the equity in the iron.
Farms that carry seasonal income find that our seasonal payment structures make the math a lot cleaner. Rather than a flat monthly payment through February and March when cash is tight, you can structure payments that mirror how the operation actually earns.
Farm Refinance Questions
Yes. If there's an existing lien, we pay it off as part of the refinance. The new loan replaces the old one. If there's equity beyond the payoff, you can pull that out as cash or just take the lower payment.
Not automatically. B/C credit borrowers are part of what we do. We look at the overall picture, including how the operation is running now, the equipment value, and your bank statement history over the last three months.
Terms generally run from 36 to 84 months depending on the machine's age, hours, and the deal structure. Newer, low-hour machines qualify for the longer end. Older machines typically work better on shorter terms.
Yes. Private-party purchases are something we handle regularly. You'll need a bill of sale, the title, and basic information about the machine. The process takes a little more coordination than a dealer transaction but the timeline is similar.
We can structure seasonal payments so the higher installments land at harvest and the lean months carry a reduced or deferred payment. That structure has to be set up at origination, so it's worth asking for upfront.
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Send the equipment list, payoff details, estimated values, and timing for a direct refinance review.
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