Row-Crop Farms
Row-crop producers face big iron and tight margins. We refinance or purchase-finance tractors, planters, combines, and sprayers with seasonal payment.
Spring planting doesn't wait for a loan committee to schedule a second meeting. Row-crop producers work on a calendar that the weather sets, and the equipment has to be ready before the calendar turns. Whether it's a new planter going in the ground before corn planting, a combine that needs to be replaced before September, or a sprayer that carries the whole input program for the season, the financing decision is really a timing decision.
We work with row-crop operations from 500 acres to 10,000 acres. The ticket is usually costing on the order of $100k to $500k for major iron, and we can fund purchase, refinance, or sale-leaseback depending on what the operation needs most. If cash flow is tight in March, a sale-leaseback on a paid-off piece can put money back in the account before seed and chemical invoices come due. If the combine has a note on it at a rate that made sense three years ago, a refinance might free up several hundred dollars a month in payments during the operating season.
Row-crop farming is a margin business. Input costs run high, land costs run higher, and the return comes in two or three settlement windows a year. The payment structure on your equipment should respect that rhythm, not fight it.
Who We Work With
Row-crop producers come in a lot of shapes. Some are family operations that have been growing corn and beans on the same ground for three generations. Some are younger operators who rented up acreage fast and now need iron to match. Some are larger operations that run multiple planters and combines across thousands of acres and treat equipment finance as a balance-sheet tool.
All of them have one thing in common: the equipment sits in the middle of every dollar they make. A planter that isn't ready at the right population setting, on the right date, costs yield. A grain combine that can't keep up with capacity at harvest costs bushels and storage windows. So the financing on that equipment matters more than the paperwork suggests.
We work with operations that have established credit history and with producers who have had a rough year or two. B and C credit is considered. We look at the whole picture, including the asset, the operation, and the cash flow timing, rather than just a score on a report.
- Corn and soybean producers, single or multi-county
- Wheat and small-grain growers adding row-crop acres
- Custom farming operations that own iron and rent ground
- Beginning farmers stepping up from rented equipment
- Larger operations consolidating older notes at better terms
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.
The Iron That Drives a Row-Crop Operation
The major assets in a row-crop operation fall into a few clear categories, and understanding how they get financed helps you plan your next move.
Tractors. Row-crop tractors in the 200 to 350 horsepower range are the backbone of most Midwest and Plains operations. Row-crop tractors handle planting, spraying support, harvest support, and fall tillage. They carry a lot of hours and a lot of value. A tractor with 3,000 to 5,000 hours still has years of work left and usually appraises well enough to support a refinance or a new-money loan.
Planters. A 24-row or 48-row planter is often one of the two or three most expensive single items in the fleet. Precision ag upgrades, row clutches, and downforce systems add cost quickly. We finance new and used planters from any major manufacturer.
Combines and headers. A combine is a harvest-season machine that has to work every day it runs. Corn heads and grain headers are financed separately or together depending on the deal. Used combines from recent model years often offer the best value per acre and still qualify for financing.
Sprayers. Self-propelled sprayers carry the input program for the whole operation. The right financing keeps the sprayer current without tying up operating capital during the season.
New and used iron both qualify. The minimum deal size is $50,000, with the sweet spot between $100,000 and $500,000 for most row-crop transactions.
Farm Refinance Questions
Yes. As long as there's equity in the equipment above what you owe, we can refinance the existing balance and potentially put cash out. We'll need the current payoff amount and a sense of the machine's condition and hours.
We do. B and C credit is considered. A couple of bad years doesn't disqualify an operation that has real assets and a workable cash flow picture. We look at the full situation, not just the score.
That's one of the most common requests we get from row-crop producers. Seasonal and skip-payment structures can be arranged so that larger payments align with settlement windows rather than the months when operating capital is stretched.
Private-party purchases are something we handle regularly. The machine needs to be in reasonably good condition and meet minimum deal-size requirements. The process is similar to a dealer purchase.
We work with operations across a wide range of sizes. The minimum deal size is $50,000, so the equipment itself needs to meet that threshold. Acreage alone isn't a qualifying factor.
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