Capital for your next machinery purchase — Used Farm Equipment Financing
Get tailored financing for used tractors and harvesters. Connect with lenders who understand the agricultural market and seasonal cash flow requirements.
Soft credit check only. Approval process takes 24 hours.
- Operating lease
- Equipment collateral
- Seasonal repayment
- UCC-1 filing
- Amortization schedule
- Private party sale
- Down payment
- Asset-based lending
Financing solutions for used agricultural machinery in the United States
Financing options matched to your situation, in one place.
- Auction Financing for auction farm equipment Get pre-approved funding to bid with confidence at equipment auctions.
- Private Private party farm equipment loans Direct funding options for machinery purchased from individual sellers.
- Dealer Financing for used tractors Competitive rates for equipment sourced from certified dealerships.
- Leasing Farm equipment leasing vs buying Structure payment schedules to match your annual harvest revenue.
- $50K–$500K Typical funding range
- 24–48 hours Approval turnaround
- 1 soft pull Credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Ag-specific underwriting
- Lenders analyze the utility value of the machine.
- We understand the agricultural business lifecycle.
Flexible repayment
- Align payments with your harvest season cash flow.
- Avoid rigid billing during the off-season.
Used equipment focus
- Support for older models and high-hour machinery.
- Clear guidance on equipment collateral requirements.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
High debt-to-income
Traditional banks often deny farmers who have existing high balances on operating lines of credit.
Older machinery age
Standard lenders frequently refuse to finance tractors or harvesters over ten years old.
Lower credit scores
Bank algorithms automatically trigger denials for credit scores below 700.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Corn and soy operator
Financing for a used combine harvester sourced through a private auction house.
Small fruit farm
Tractor financing for small farms to replace aging irrigation and planting equipment.
Cattle rancher
Equipment financing for new farmers acquiring used heavy-duty hay balers and loaders.
Vegetable grower
Used equipment financing to acquire specialized tillage tools for soil management.
Working capital for seasonal expenses
Secure liquid funds for seeds, fertilizer, and fuel alongside your equipment purchase to manage your entire annual operational cycle.