Agriculture's cash flow is the most extreme in small business: expenses all year, revenue in one or two windows. Standard monthly-payment loans fight that reality; proper ag equipment financing embraces it - annual, semi-annual and harvest-scheduled payments are standard products, if you work with lenders who actually know farming.
The market in numbers
| Equipment | Price range | Structures available |
|---|---|---|
| Used utility tractor (60-100hp) | $25K - $60K | Monthly or annual payments |
| Used row-crop tractor | $80K - $250K | Annual / harvest schedules |
| Implements (planters, tillage) | $15K - $150K | Bundled with tractor deals |
| Combines (used) | $120K - $400K | Harvest-timed, longer terms |
Why annual payments change everything
A $150K tractor at monthly payments drains ~$3K from an account that fills once a year - guaranteed stress by August. The same loan structured as one post-harvest annual payment aligns debt service with the actual crop check. Slightly more total interest, dramatically less risk of a spring default on a profitable farm. For custom operators (harvest-for-hire), semi-annual structures matching two seasons work the same way.
The used sweet spot moved
Late-model used ag equipment prices corrected meaningfully from the 2021-2023 spike. 3-5 year old tractors with 2,000-4,000 hours are the value play of 2026 - and they finance at nearly-new terms when the service records are clean.
60-Second Funding Check
No credit pull. No obligation. Just a straight answer.
What do you need funding for?
Lenders who know a planting window from a spreadsheet
Dealerun's ag-experienced partners structure payments around YOUR crop calendar - annual, semi-annual, harvest-timed. Equipment-based businesses are literally what we do.
Finance equipment on farm time
Tell us your operation - get structures that fit the season.
FAQ
Can I finance used farm equipment from another farmer?+
Yes - private-party ag deals are routine. The lender verifies serials and liens (UCC filings are common in ag) and pays the seller directly. Allow a few extra days versus dealer purchases.
Do farm equipment loans require land as collateral?+
Typically no - the equipment secures itself. Land collateral only enters the picture on very large facilities or challenged credit. If a lender demands your ground for a tractor loan, get a second quote.
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See what funding your business qualifies for - it takes two minutes and won't affect your credit.