Grain Bins Financing
Direct answer
RCR International Finance LLC finances grain bins and on-farm storage systems for crop operations, including the bin, drying, and handling equipment. Funding can cover a new bin install or a storage expansion through an equipment loan or lease, often spreading a major storage investment over its long service life. Eligible units, terms, and any down payment are subject to underwriting and approval based on the operation and the quote.
25 to 40 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 grain bins financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances grain bins and on-farm storage systems for crop operations, including the bin, drying, and handling equipment. Funding can cover a new bin install or a storage expansion through an equipment loan or lease, often spreading a major storage investment over its long service life. Eligible units, terms, and any down payment are subject to underwriting and approval based on the operation and the quote.
Plan ahead
Estimate your payment
Model a monthly payment for grain bins before you apply.
Open the estimatorWhat grain bins you can finance
A representative sample of eligible assets in this category.
- Galvanized steel storage grain bins
- Hopper-bottom bins
- Grain drying bins with aeration
- Grain dryers (batch and continuous flow)
- Bucket elevators and grain legs
- Augers and grain conveyors
- Bin unload systems and stirring equipment
Financing grain bins: the basics
RCR International Finance LLC arranges grain bins financing for businesses acquiring agricultural equipment. Because the asset secures the deal, grain bins 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 grain bins and handling systems typically qualify for longer terms given their long service life and warranty coverage. Used bins and handling equipment are sometimes financed and valued on condition of the steel, floor, and drying systems. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership in long-lived storage infrastructure that adds resale value to a farm, which fits owners planning long-term operation. A lease can ease the heavy upfront cost of a storage build and preserve working capital. The right structure depends on cash flow, land ownership, and tax planning.
Loan vs lease: which fits this asset?
Both options finance grain bins, 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 of bin components
Roll freight and delivery of bin components into the financed amount where the structure allows.
Site preparation and concrete foundation
Roll site preparation and concrete foundation into the financed amount where the structure allows.
Assembly, erection, and electrical hookup
Roll assembly, erection, and electrical hookup 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.
Drying, aeration, and handling integration
Roll drying, aeration, and handling integration into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the grain bins 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 grain bins
- Signed equipment quote or project invoice
- Three to six months of recent business bank statements
- Most recent business or farm tax return
- Specifications: bin capacity, diameter, and drying system
- 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 grain bins
Key takeaways
- Grain Bins 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 of bin components and site preparation and concrete foundation 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 grain bins for your business
RCR International Finance LLC can help you compare loan and lease options for grain bins.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Grain Bins financing FAQs
- Can the bin, dryer, and handling equipment be financed together?
- Yes. The bin, grain dryer, augers, and elevators can be financed on one quote and valued as a storage system. The structure is determined during underwriting and approval.
- Is site preparation and the concrete foundation covered?
- Foundation work and erection can often be included as soft costs when they appear on the same project quote as the equipment. Inclusion is determined during underwriting.
- Are seasonal payment schedules available for grain bins?
- Some agricultural structures allow payments aligned with crop revenue. Availability of seasonal schedules is determined during underwriting and approval based on your operation.
- Does owning the land matter for grain bin financing?
- Land ownership and the permanence of the install can factor into the structure for fixed storage. This is considered during underwriting and approval based on your operation.
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.