Agricultural Equipment Financing
Direct answer
RCR International Finance LLC finances farm and ranch equipment for growers and agricultural operations, from tractors to harvesting and irrigation systems. Funding can cover new or used machinery purchased from dealers or auctions, structured as a loan or lease. Seasonal cash flow is a common consideration, and all terms are subject to underwriting and approval based on the operation and equipment.
Varies
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how agricultural equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances farm and ranch equipment for growers and agricultural operations, from tractors to harvesting and irrigation systems. Funding can cover new or used machinery purchased from dealers or auctions, structured as a loan or lease. Seasonal cash flow is a common consideration, and all terms are subject to underwriting and approval based on the operation and equipment.
Plan ahead
Estimate your payment
Model a monthly payment for agricultural equipment before you apply.
Open the estimatorWhat agricultural equipment you can finance
A representative sample of eligible assets in this category.
- Tractors and utility vehicles
- Combine harvesters
- Planters and seeders
- Sprayers and applicators
- Hay balers and mowers
- Irrigation systems and pivots
- Grain handling and storage equipment
Financing agricultural equipment: the basics
RCR International Finance LLC arranges agricultural equipment financing for businesses acquiring farm equipment. Because the asset secures the deal, agricultural equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New agricultural equipment financing supports longer terms and full warranties, fitting machines expected to run many seasons. Used farm equipment is widely financed and is evaluated on hours, condition, and resale value, including auction purchases. Both new and used acquisitions are subject to underwriting and approval.
A loan builds ownership of long-lived assets like tractors and combines that growers often keep for years. A lease can ease access to newer equipment and help align payments with seasonal income. The right structure depends on your harvest cycle, cash flow, and tax planning.
Loan vs lease: which fits this asset?
Both options finance agricultural equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Freight and delivery to the farm
Roll freight and delivery to the farm into the financed amount where the structure allows.
Implements and attachments
Roll implements and attachments into the financed amount where the structure allows.
Setup and field-ready preparation
Roll setup and field-ready preparation into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Extended warranty or service plans
Roll extended warranty or service plans into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the agricultural equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance agricultural equipment
- Equipment quote, invoice, or auction receipt
- Recent business bank statements
- Most recent business or farm tax return
- Equipment details: year, make, model, and hours
- Owner identification
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance agricultural equipment
Key takeaways
- Agricultural Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as freight and delivery to the farm and implements and attachments can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance agricultural equipment for your business
RCR International Finance LLC can help you compare loan and lease options for agricultural equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Agricultural Equipment financing FAQs
- Can payments be aligned with seasonal cash flow?
- Agricultural operations often have seasonal income, and payment structuring is reviewed during underwriting. Any seasonal or flexible structure is determined based on the operation and is subject to approval.
- Do you finance equipment bought at auction?
- Auction purchases are commonly considered. We typically request the auction receipt, equipment details, and an inspection or appraisal so the asset can be valued, subject to underwriting.
- Is used farm equipment eligible?
- Yes. Used tractors, combines, and implements are widely financed and are valued on hours, condition, and resale value during underwriting and approval.
- Can implements and attachments be included?
- Implements and attachments can usually be bundled into the financing when they appear on the same quote or invoice as the base machine, subject to approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.