What we finance, and who funds it
We arrange agriculture equipment financing through a network of major Canadian banks and specialised leasing institutions, and seasonal payment structures are the heart of what we do for farms. Payments can sit heavier after harvest and lighter through winter, or follow whatever rhythm your operation runs on. Tractors new and used, combines and harvesters, seeding and tillage equipment, and dairy and livestock equipment all qualify. Dealer purchases, private sales and farm auction buys can all be financed, which matters in a sector where good used equipment changes hands between neighbours as often as it crosses a dealer's lot.
Timing is unforgiving in farming
Timing is unforgiving in farming. A combine that arrives after the crop is ready is worth nothing that year, and a seeding window missed for lack of equipment costs the whole season. Financing means the decision can be made when the agronomy demands it rather than when the bank balance allows it. It also keeps operating credit free for inputs: fuel, seed, fertilizer and feed have their own cash demands, and locking working capital into iron leaves the operation exposed to a dry year or a soft market.
Pulling capital back out of owned machinery
Established operations can use sale-leaseback on owned equipment to pull capital back out for land, quota or expansion. Multi-generational transitions, where a son or daughter takes over the operation and needs to re-equip, are a situation our lenders see regularly and structure for. Applications above $250,000 require financial statements, and we will tell you exactly what to gather before anything goes to a lender. Both lease structures remain options, with the choice usually driven by tax treatment and trade-in plans. Send us the equipment you are looking at, and we come back with terms shaped for a farm, not for a factory.
