Can the combine and headers be financed together?

Yes. The combine and its corn, grain, or draper heads can be financed on one quote and valued as a package. The structure is determined during underwriting and approval.

Are seasonal or harvest-aligned payment schedules available?

Some agricultural structures allow payments aligned with harvest revenue. Availability of seasonal schedules is determined during underwriting and approval based on your operation.

Can I finance a used combine from a private seller?

Private-party combine purchases are commonly considered. We typically request a bill of sale, serial number, separator hours, and an inspection so the unit can be valued, subject to underwriting.

Do separator hours affect the financing?

Separator hours, age, and condition influence term length and structure on used combines. The machine's resale value is assessed during underwriting and approval.

Equipment Financing

Combine Harvesters Financing

Direct answer

RCR International Finance LLC finances combine harvesters and headers for grain, corn, and specialty-crop operations, covering both the combine and its harvesting heads. Funding can cover new or used machines purchased from dealers or private sellers, structured as an equipment loan or lease, often using the combine as collateral. Eligible units, terms, and any down payment are subject to underwriting and approval based on the operation and the quote.

Start an Application Call +1 248-939-2646

12 to 20 years

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 combine harvesters financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for combine harvesters before you apply.

Open the estimator

What combine harvesters you can finance

A representative sample of eligible assets in this category.

Class 7 to 9 grain combines
Rotary and conventional combines
Corn heads
Grain platform and draper headers
Bean and pickup headers
Header trailers and transport carts
Yield-monitoring and precision-ag packages

Financing combine harvesters: the basics

RCR International Finance LLC arranges combine harvesters financing for businesses acquiring agricultural equipment. Because the asset secures the deal, combine harvesters 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 combines typically qualify for longer terms and full warranties, useful for large acreage and tight harvest windows. Used combines are very commonly financed and valued on separator hours, condition, and resale value, with term tied to remaining useful life. Both new and used purchases are subject to underwriting and approval.

A loan builds equity in a high-value machine used a few intense weeks per season, which fits operators who keep combines several years. A lease or seasonal structure can ease the heavy upfront cost and align payments with harvest revenue. The right structure depends on acreage, cash flow, and tax planning.

Loan vs lease: which fits this asset?

Both options finance combine harvesters, 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.

Harvesting heads and header trailers

Roll harvesting heads and header trailers into the financed amount where the structure allows.

Precision-ag and yield-monitor packages

Roll precision-ag and yield-monitor packages 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 contracts

Roll extended warranty or service contracts into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the combine harvesters 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 combine harvesters

Signed equipment quote, invoice, or bill of sale
Three to six months of recent business bank statements
Most recent business or farm tax return
Equipment details: make, model, year, and separator hours
Driver's license or government-issued ID of the owner
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 combine harvesters

Agriculture

Buying or refinancing farm machinery and equipment

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Wholesale Distribution

Buying inventory in bulk to capture supplier discounts

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