Farm Equipment Financing
What We Finance
We fund a wide range of agricultural equipment, including:
- Tractors (compact, utility, and row crop)
- Balers, plows, and harrows
- Combines and harvesting equipment
- Grain carts, spreaders, and wagons
- Sprayers, seeders, and planters
- Irrigation systems and tanks
- ATVs, UTVs, and farm trucks
- Livestock handling and feeding systems
Whether you're expanding acreage, replacing aging equipment, or launching a new operation, we’ll match you with the right financing option.
Who We Help
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Our farm equipment financing programs are designed for: Independent farmers and family-run operations Commercial-scale producers and agribusinesses Ranchers and livestock managers Produce growers and greenhouse operators Agricultural startups and new landowners
Financing Options for Farms
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Equipment Loans Own your machine from day one. We offer fixed-term loans with predictable payments and no early payoff penalties. Lease-to-Own Programs Lower your initial investment and take ownership at the end of the term. Ideal for newer farms looking to preserve cash flow. Used Equipment Financing Buy used tractors and implements with confidence. We work with dealers, private sellers, and auctions.
How It Works
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Step 1: Apply Online Start with a no-risk application — no hard credit pull required. Step 2: Get Pre-Approved Most approvals happen within 24 hours. We work with all credit types. Step 3: Get Funded and Get to Work We coordinate payment with the seller so you can put your equipment to use right away.
Purchase from the Source That Works for You
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We finance farm equipment purchases from: Local and national ag equipment dealers Online listings or used equipment marketplaces Auctions (pre-approval available) Private party sellers or retiring farmers Already found the equipment you want? Send us the details and we’ll take care of the rest.
Why Farmers Choose Smart Business Credit
- No hard credit check to apply
- Fast approvals, often same day
- Lease and loan options available
- Flexible payments that align with ag cycles
- Support for private party and auction purchases
- Startup and first-time buyer programs
- Personal service from people who understand farming
We’ve helped farmers across the country get the tools they need to plant, harvest, and grow with confidence.
Related Financing Options
Frequently Asked Questions
Can I finance used farm equipment?
Yes. We fund new and used equipment from auctions, dealers, or private sellers.
Do you work with new farms or startups?
Absolutely. We specialize in helping newer operators access affordable financing.
Is seasonal payment scheduling available?
Yes. We can structure your payments to align with harvest or revenue cycles.
How quickly can I get approved?
Most applications are reviewed and approved within 24 business hours.
What equipment types do you NOT finance?
We typically don’t finance small tools or non-commercial household items.
