Finance the equipment
that works your land.
Tractors. Combines. Harvesters. Precision ag. We finance agricultural equipment with seasonal payment structures that match your revenue, not a banker's calendar.
Ag equipment we
know and finance.
Tractors
40HP utility to 600HP row-crop platforms. John Deere 8R, Case IH Magnum, New Holland T9, AGCO Fendt 1000. $50K to $500K.
Combines & Harvesters
Rotary and conventional combines for corn, soybeans, wheat, specialty crops. John Deere S/X series, Case IH Axial-Flow. $300K to $700K.
Sprayers & Applicators
Self-propelled sprayers, trailed units, planters. John Deere R4045, Case IH Patriot, Kinze 4905. $80K to $500K.
Precision Ag & Guidance
GPS guidance, variable rate applicators, drone systems, soil sensors, telematics. $30K to $200K.
Irrigation Systems
Center pivot irrigation, drip systems, pump stations, and filtration infrastructure. $30K to $500K.
Hay & Forage Equipment
Round balers, square balers, mowers, tedders, forage harvesters. New Holland, AGCO, Claas. $30K to $250K.
Grain Handling & Storage
Grain bins, augers, dryers, conveyors, and grain carts for on-farm storage and handling. $30K to $400K.
Specialty & Orchard Equipment
Orchard tractors, vineyard mechanization, berry harvesters, transplanting equipment. $30K to $300K.
Livestock & Dairy Systems
Robotic milkers, feed and ventilation systems, and handling equipment for dairy and livestock operations. Lely, DeLaval, GEA. $30K to $500K.
Family farm to multi-operation ag business, we structure deals for both. Transactions from $30,000 to $5,000,000+. New, certified refurbished, and dealer-refurbished equipment all eligible.
Built for how farms
actually get paid.
Seasonal payments that match harvest
Agricultural operators have predictable cash flow that most lenders ignore entirely. iLease Capital structures ag deals with seasonal schedules: higher payments during revenue months, reduced during off-season. Same total obligation. Timing aligned to how farming actually works.
Ag lenders, not generic lenders
We route ag deals to lenders who understand commodity price exposure, crop insurance, FSA programs, and seasonal cash flow, not lenders who price in a risk premium because they've never financed a combine.
Deep agricultural asset knowledge
We know what a John Deere S780, a Case IH Magnum, or a Kubota M7 actually does and what it's worth. Lenders care about collateral. We package deals around the asset.
Used and refurbished done right
A used John Deere or Case IH can be a smart play. We know what to look for in engine hours, separator hours, service records, and remaining useful life, and we work with lenders comfortable financing pre-owned ag equipment.
Section 179 expertise
Agricultural equipment is often the largest capital purchase of the year and Section 179 timing matters. We know how to structure deals so the tax treatment lines up with the buying season.
Soft pull, always
No impact to your credit score during evaluation. We run soft pulls only until you're ready to move forward.
Simple application.
Fast decision.
Apply online in about four minutes. Equipment type, approximate cost, basic business info. We run a soft pull, zero impact to your credit, and return pre-approval terms same day in most cases.
With 50+ lender relationships, we find the right fit for your deal. FMV lease, $1 buyout, term loan, or sale-leaseback on equipment you already own. We match the structure to your tax and cash-flow situation.
Terms up to 84 months. Decisions often within hours, not days.
Ag Financing,
Answered.
How exactly do seasonal payments work?
Seasonal payment structures front-load payments into the months your operation generates revenue and reduce or eliminate payments during off-season. The total obligation, principal plus interest, is identical to a level monthly payment. Only the timing changes. We work with lenders who build custom payment schedules matching your specific crop calendar. A row crop operation in the Central Valley might pay April through November. A citrus operation might have a completely different schedule.
Can I finance used farm equipment?
Yes. Used agricultural equipment, particularly from John Deere, Case IH, and New Holland, has strong residual values and is widely accepted by lenders as collateral. What matters more than the calendar year is hours, condition, service records, and remaining useful life. A well-maintained combine with documented service history can finance as well as new in most cases, regardless of age.
Can I bundle implements and attachments with tractor financing?
Yes. Planters, headers, tillage implements, GPS guidance systems, and other attachments can typically be bundled into the primary equipment financing, either as a single package or as separate schedules under a master agreement. Combining equipment into a larger transaction often yields better rates and fewer individual deals to manage.
Is there a minimum acre count or revenue required?
No hard minimums. Lenders want to understand your operation's revenue base, commodity exposure, and how the equipment being financed generates income. Larger deals ($500K+) typically require 2 years of farm tax returns. We'll tell you exactly what documentation you'll need before you spend time gathering it.
How is iLease Capital different from John Deere Financial or CNH Capital?
Manufacturer captive programs only finance their own brand at standard rates. iLease Capital is lender-agnostic. We shop 50+ lenders and can match or beat captive rates, especially on used or multi-brand configurations. We also offer seasonal payment structures and sale-leaseback options that most manufacturer programs don't provide.
Related
verticals.
Manufacturing Equipment
CNC, injection molding, laser, press brakes, and production lines. Deals packaged around the asset for lenders who care about collateral.
Explore →CNC Machining
VMCs, lathes, 5-axis, EDM, and boring mills. Lenders who understand spindle hours and machine tool residual values.
Explore →Industrial Equipment
Forklifts, cranes, generators, compressors, HVAC, and material handling. Fast structures for the gear that keeps a facility running.
Explore →Construction Equipment
Excavators, dozers, cranes, loaders, and heavy iron. Lenders who get iron value and project-based revenue.
Explore →Let's look at your
equipment deal.
No pressure. No promises on rates. Just an honest look at what we can structure, and whether it fits what you're trying to accomplish.