Farm Equipment Dealers
Farm equipment dealers can offer customers alternative financing paths through us when manufacturer finance doesn't fit. We work with dealers to get their.
A dealer who can only offer one financing path loses deals that a second path would have closed. Manufacturer captive finance is the right answer for a lot of customers, but it isn't the right answer for all of them. A buyer with B or C credit who doesn't meet the captive's standards, a customer who wants to finance a used machine the captive isn't interested in at that age or hours, a producer who needs a sale-leaseback rather than a new purchase loan, those are buyers who need a different option or they walk. We work with dealers to give those customers a place to go.
We're not trying to replace manufacturer finance. We work alongside it, picking up the customers and situations that the captive doesn't fit. A dealer who can keep a customer in the store by offering a workable alternative closes more deals, builds more goodwill, and doesn't send a buyer down the road to a competitor who had a broader financing menu.
The mechanics of working with us as a dealer are simple. When you have a customer who doesn't fit the captive program or who needs something the captive doesn't offer, refer them our way. The application process is fast, the response is clear, and if we can fund the deal, it closes. If we can't, we'll tell you that quickly too so the customer can pursue other options without losing time.
The Customer Situations We Handle for Dealers
A few categories of customer come up repeatedly in dealer-referred transactions.
- Buyers with B or C credit who the manufacturer captive declined or couldn't approve on acceptable terms
- Customers wanting to finance used equipment that's outside the captive's acceptable age or hours range
- Producers who want to do a private-party purchase from another farmer and need to finance it without a dealer title in the chain
- Buyers who need a sale-leaseback on equipment they already own to fund the purchase of something on the dealer's lot
- Customers who want to refinance existing equipment from another lender as part of restructuring their debt before making a new purchase
- Beginning farmers who have thin credit history and don't meet standard captive qualification thresholds
In each of these cases, the dealer has a customer ready to do business. The financing gap is the only thing in the way. We close that gap when it can be closed, and we do it without requiring the dealer to manage a complicated approval process on behalf of the customer.
Farm Operations
Agribusiness & Co-Ops
Agribusinesses and agricultural co-ops run equipment that serves both their own operations and their member producers. We finance and.
Cotton Farms
Cotton producers carry some of the highest per-acre equipment costs in American agriculture. We finance and refinance pickers, strippers.
Farm Equipment Dealers
Farm equipment dealers can offer customers alternative financing paths through us when manufacturer finance doesn't fit. We work with.
How the Dealer Referral Process Works
The process is designed to be as light as possible on the dealer's side. The customer submits an application directly to us, either through an online application or by phone. The dealer doesn't need to manage the paperwork or the communication back and forth during underwriting.
For deals up to roughly $400,000, the application and sometimes three months of bank statements is what we need to move forward. Application-only financing is available for smaller transactions where the credit profile is clean, which covers a good portion of the B and C credit buyers who fall through captive program floors.
Funding timeline from a complete application is typically one to two weeks. That's fast enough to hold most deals if the customer is serious and the equipment is available. We communicate directly with the customer during the process and bring the dealer back in when it's time to confirm the deal is going to fund.
The dealer's equipment doesn't get tied up in a long underwriting process. Either the deal funds in a reasonable timeframe or we tell the customer early that it isn't going to work, and they can pursue other options without the machine sitting on hold for weeks.
Farm Refinance Questions
Any dealer can refer a customer to us. There's no enrollment program or exclusive arrangement required. If a dealer has a customer who needs an alternative financing path, that customer can apply directly through our standard process.
The customer is our primary communication point during the process. If the deal can't be funded, we tell the customer directly and quickly so they can pursue other options. We can copy the dealer's contact on communication if the customer arranges that, but we don't share customer financial information with the dealer without the customer's permission.
Yes. Private-party purchases are handled regularly. The machine needs to meet condition and minimum value requirements. The dealer doesn't need to be in the title chain for a private-party transaction.
Most decisions come within a few business days of a complete application. For a clean application on a straightforward transaction, it can be faster. We aim to give a fast answer precisely so dealers and customers don't have to hold machines in limbo.
Our arrangement is direct with the customer. We don't operate a dealer finance program with origination fees or referral commissions. The value to the dealer is the ability to offer customers a path that closes deals that would otherwise be lost.
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