Farm Equipment Financing in Lubbock, TX
Farm equipment financing and refinancing for Lubbock, TX area farms. Cotton, grain sorghum, peanuts, and irrigated row crops on the South Plains. B/C credit.
The South Plains of Texas, centered on Lubbock, produce more cotton than any other region in the country. Lubbock County alone consistently leads Texas in cotton production, and the equipment that harvests, gins, and manages that crop is both expensive and specialized. A cotton picker or stripper and the module builder or round module system that goes with it can represent $600,000 to $1 million in machinery for a large operation. Even a mid-size South Plains cotton farm carries a significant equipment investment that deserves careful financing.
We serve farms across the South Plains corridor, including Lubbock, Crosby, Lynn, Hockley, and Yoakum counties. Cotton pickers and strippers, irrigation systems and center pivots, Tractors, row-crop tractors, and grain combines for the milo and wheat ground all qualify. Minimum $50,000, B/C credit evaluated, and we fund in roughly one to two weeks.
Equipment That Runs the South Plains
Cotton production in Lubbock County involves more equipment than the picker alone. A full cotton production system might include a planter, a picker or stripper, a module builder or round bale module system, a cotton-specific sprayer, and the irrigation infrastructure that makes Ogallala-fed production possible on the caliche flats. The per-acre investment on irrigated cotton ground is high, and the equipment matches that scale.
Self-propelled sprayers are essential for timely applications in a crop that needs precise pesticide and defoliant timing. A defoliant application at the wrong time or inconsistent coverage costs real yield. Sprayer packages with 100-foot booms and high-clearance designs are common on the South Plains.
Beyond cotton, the South Plains grows grain sorghum, wheat, and increasingly peanuts on the dryland and marginal irrigation acres. That brings grain drills and tillage equipment into the same portfolio as the cotton stack. A diversified South Plains operation might carry $500,000 to $1.5 million in total equipment across all categories.
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How We Get South Plains Files Done
South Plains cotton operations work on a compressed schedule. Planting happens in May, harvest runs October through December, and the cash from the gin check arrives in late fall and early winter. That calendar shapes how we think about documentation and payment timing from the first conversation.
For equipment purchases and refinances up to roughly $400,000, application-only financing handles the whole process. One page of application, no tax returns, and we work from there. For larger cotton picker packages and pivot systems above that threshold, three months of bank statements round out the file. We are looking at the full crop calendar, not just the slow months.
Seasonal payment structures are available for South Plains operations that want the payment schedule to reflect when the gin check actually lands. Heavier payments in November and December, lighter obligations through the spring planting run, is a structure we can build from the start. That is the kind of flexibility a commodity lender rarely offers and that we consider standard.
Farm Refinance Questions
Yes. Pickers with existing notes are refinanced all the time. We compare the current payoff to what the machine is worth today, pay off the original lender, and set new terms. The payment usually comes down.
A sale-leaseback lets you do exactly that. You transfer the pivot titles, we lease them back at a fixed rate, and you receive a lump sum at closing. The pivots keep running. The cash goes where the operation needs it.
B/C credit situations are something we consider. Cotton price volatility is a known reality, not a management failure. Give us three months of bank statements and the context around the credit situation.
Yes. We can consolidate a multi-piece purchase or refinance into a single loan if that simplifies the structure. One payment, one lender, one closing.
Yes. Drip and subsurface irrigation systems qualify for equipment financing alongside pivots. Terms may reflect the installation-heavy cost structure, but they are within our program.
Yes. Seasonal and skip-payment structures let us schedule higher payments around your November and December gin check period and lower payments through the spring input season. We build that in from the start.
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