Agriculture & farming
Farm Equipment Financing
Farms, ranches and agricultural service businesses finance tractors, implements and other equipment to keep operations running through the season. This page explains what to prepare and how lenders may look at agricultural income.
We do not describe any specific lender’s seasonal payment policy. What a lender offers depends on the lender and your qualifications.
Buying a pre-owned tractor or implement? See our used equipment financing guide.
Farm equipment commonly financed
- Tractors
- Tillage, planting and hay implements
- Sprayers and spreaders
- Combines and harvest equipment
- Livestock and handling equipment
- Utility vehicles and trailers used in the operation
Whether a specific item can be financed is decided by the lender.
New and used considerations
- New equipment usually comes with a dealer quote and a clear price.
- Used tractors and implements are reviewed on hours, condition and maintenance history.
- Private-party and auction purchases may need extra documentation, and some lenders may not finance them.
Factors lenders review
Each lender weighs these differently. We do not publish credit-score cutoffs because none applies across lenders.
- Credit profile and time in operation
- Farm or business revenue, including how it varies through the year
- Equipment type, age, condition and resale value
- Down payment and requested term
Documents to prepare
None of these are needed to submit our request. A lender may ask for them later.
- Equipment quote or invoice
- Farm or business tax returns, if requested
- Recent bank statements that show income across the season
- Basic business details: legal name, state, time in operation
How the application process works
Submit a pre-qualification request
Tell us the equipment, the amount and a few business details. The form does not ask for your SSN, bank login or documents.
Confirm details
A representative may contact you to confirm the request. A financing provider may then ask for documents such as a quote or bank statements.
Review any options
If a provider can work with the request, you review what it offers. You are not obligated to accept.
Complete the lender’s requirements
The lender or financing provider makes the credit decision and sets the terms. Ai Loan Brokerage LLC is a loan broker, not a direct lender.
Run your own numbers with the loan calculator or read how the process works.
Payment example (illustrative only)
$50,000 financed at an assumed fixed annual interest rate of 10% over 60 months gives approximately $1,062.35 per month under standard monthly amortization. Total payments are approximately $63,741; interest approximately $13,741.
Excludes fees, taxes and insurance. No down payment is included. This is not a quote, APR disclosure or approval offer. Your actual rate, term and payment are set by the lender.
Farm Equipment Financing questions
- What documents can support seasonal income?
- Lenders commonly review tax returns and bank statements covering a full year, which show income across the season. The exact documents depend on the lender.
- Can farm implements be financed with a tractor?
- You can list them together in one request. Whether a lender finances them together depends on the lender and your qualifications.
What to expect when you submit a request
- Who we are
- EquipmentLoan.com is operated by Ai Loan Brokerage LLC, a registered Georgia LLC acting as a loan broker. We are not a direct lender.
- Who decides
- The financing provider reviewing your request decides eligibility and sets any terms. Approval and terms depend on the lender and your business's qualifications.
- How your request is shared
- Your request goes to our records system and to financing providers who may review it, as described in our Privacy Policy. We do not sell your personal information.
- Credit checks at this step
- The form asks you to choose a self-reported credit range and does not ask for your Social Security number. Submitting this request does not by itself trigger a soft or hard credit inquiry. Any credit inquiry requires your separate authorization and is performed by the financing provider, not by this website.
Related pages
Ready to see what may be available?
Start a pre-qualification request. It takes a few minutes, no documents are needed to begin, and you will get a reference number for your records.
Phone: 888-629-3416 · Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. All financing is subject to review and approval by the applicable financing provider.
Last updated · Reviewed and published by Ai Loan Brokerage LLC, operating as EquipmentLoan.com (Loan Broker).