Orchards & Vineyards
Orchard and vineyard operations run specialized harvest, spray, and pruning equipment through tight seasonal windows. We finance tree and vine equipment with.
Tree and vine crops teach patience. You plant an orchard or a vineyard knowing that the first meaningful harvest is years away, and then you manage it for decades. The equipment that serves those crops, harvest shakers and catchers, over-the-row sprayers, pruning machines, and the utility tractors that do everything else, has to last through a long production life and a lot of seasons. The financing behind it should be structured with that same long view in mind.
We work with apple, pear, cherry, peach, and nut orchards, and with wine grape, table grape, and raisin vineyards. The geography runs from the San Joaquin Valley and central coast of California through the Yakima Valley and Columbia Basin of Washington and Oregon, to the Great Lakes region, New York, and North Carolina. Each of these areas has its own crop economics and its own equipment needs, but the financing questions they bring to us are similar.
The minimum deal size is $50,000. Most significant orchard and vineyard equipment purchases fall above that, and major harvest equipment for almonds, pistachios, or wine grapes can run well into six figures.
Tree and Vine Equipment We Finance
Harvest equipment. Orchard and vineyard harvest equipment is among the most specialized machinery in agriculture. Almond and walnut shakers, under-tree sweepers and pick-up machines, cherry harvesters, grape harvesters (both pull-type and self-propelled), and olive harvesters are all category-specific tools that carry significant cost. A mechanical grape harvester runs from $100,000 for a basic unit to well over $350,000 for a high-end self-propelled machine.
Sprayers and application equipment. Over-the-row sprayers and air-blast sprayers for orchard and vineyard pest and disease management are a major equipment category. These machines do a lot of work through long spray seasons and need to be reliable. They also evolve with the technology, and newer units with precision canopy sensors and variable-rate capability command premium prices.
Pruning and canopy management equipment. Mechanical pruning equipment, topping machines, and hedgers serve orchards and vineyards during the dormant season and through canopy management work. These are production-enabling tools that represent a real capital commitment.
Tractors for tight rows. Compact tractors and specialty vineyard tractors configured for narrow rows and under-canopy work are the daily drivers in orchard and vineyard production. The right configuration for the crop and the row width matters, and the financing should work for the specific machine rather than a generic farm tractor.
Irrigation infrastructure. Irrigation systems for orchards and vineyards, whether drip, micro-sprinkler, or under-tree flood systems, represent significant per-acre capital. Entire irrigation system upgrades or new-block development can be structured into financing.
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.
Tree and Vine Crop Economics
Orchards and vineyards operate on a different financial timeline than row-crop agriculture. The establishment cost of a new block, including land preparation, trellis systems, planting stock, irrigation, and first-year care, is substantial, and full production doesn't arrive for several years. Once a block is producing, the economics are often very favorable per acre, but the path to get there requires patient capital.
Equipment financing for orchards and vineyards fits into the mature production phase, when a block is fully planted, established, and generating reliable income. At that stage, financing harvest equipment, sprayers, or tractor upgrades is a straightforward cash-flow decision rather than a speculative investment.
Wine grape values vary by appellation and contract structure, but established vineyards with long-term winery contracts are strong financing candidates because the income stream is predictable over time. Almond and walnut operations in California's Central Valley and the Modesto area have seen strong nut prices and high-value per-acre returns that support significant equipment investment. Apple and cherry orchards in eastern Washington are similarly capital-intensive operations with predictable seasonal income.
Farm Refinance Questions
Yes. Private-party purchases of vineyard harvest equipment are handled regularly. We'll look at the machine's age, condition, and current market value. A well-maintained harvester from a winery is a solid asset.
Yes, though the documentation may need to tell more of the story. An established block entering full production with predictable harvest contracts is a workable situation. Show us the production records and the sales contracts and we'll evaluate based on where the operation is headed, not just where it's been.
Trellis and vine support systems are a form of infrastructure that can sometimes be included in a financing package alongside equipment. The specifics depend on how the assets are structured and valued. Ask us about your particular situation.
Yes. A sale-leaseback on an owned shaker converts the equity to cash while the machine continues operating through harvest. The payment schedule can be set to align with nut income timing.
Size isn't the limiting factor. The minimum deal size is $50,000. A 75-acre apple orchard financing a sprayer or a set of pruning equipment will often clear that threshold on a single piece of meaningful equipment.
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