Seasonal payments built around harvest
Seasonal payments are the heart of this page. A grain operation can weight its payments to the months after harvest cheques clear; a dairy with steady milk revenue may prefer level payments; a market garden can run light in winter. Regardless of the size of your farm, the schedule is negotiated to the operation's actual cash cycle, and that single feature is often worth more than any rate conversation. Agriculture equipment financing that ignores the season just converts a machinery problem into a cash-flow problem.
Who applies for farm equipment financing
Who applies? Grain and oilseed producers replacing combines or adding drills, dairy and livestock operations financing parlours, robots and handling systems, orchards and vineyards, market gardens and custom operators who run equipment across other people's land as their whole business. New iron from the dealer and used iron from auctions and private sales both qualify; on used machines the hours, service records and inspection drive the advance, and we clear existing liens on private purchases so the title arrives clean.
Lease structures on farm machinery
Structures are the familiar pair with a farm twist. A $1-buyout lease suits the long-keepers, tractors and tillage that stay for decades, with capital cost allowance treatment. A lease with a $1 buyout suits high-hour machines like sprayers and combines that some operations turn over on a cycle, keeping in-term payments deductible as an operating expense. Attachments, headers, GPS and precision-agriculture hardware can ride on the same contract as the machine that carries them.
How the application works
The application is three steps: identification, owner information, then the machine with serial number and hours. Combines and late-model tractors typically sit above the $250,000 statements threshold, so having your statements or your accountant's package ready shortens the file. If your purchase is a highway tractor for grain hauling, the semi truck financing page reads that asset better. For ag equipment finance that matches payments to your marketing plan rather than a calendar, send the quote and tell us when your revenue actually lands. We work files from all ten provinces and three territories.
