FLEXIBLE TERMS · COMPETITIVE RATES
Equipment Financing Made Simple
Whether you're buying your first compact tractor or upgrading a full hay operation, we'll find a payment that fits your season and your budget.
SIMPLE PROCESS
From application to keys in three steps
Pick the equipment
Financing terms depend on the machine, so start with what you actually want. New and used both qualify.
Send us an application
A few minutes of information to start. We handle the back and forth with the lenders so you are not calling four banks yourself.
Review the options
We bring you the structures that fit, including term length, down payment and payment timing. If one of them is clearly better for your situation, we will say so.
Sign and take delivery
Once it is approved, we finish the paperwork and get the machine to you.
ESTIMATE YOUR PAYMENT
What would your monthly payment be?
Payment Calculator
Financing Highlights
Seasonal Payment Plans
We understand that farm income is seasonal. Ask our financing team about payment structures that align with your harvest cycle. Larger payments when revenue is in, reduced payments during off-season months.
Who We Finance Through
We work with multiple lenders rather than one, including manufacturer financing programs from the brands we carry. That matters more than it sounds like it should. Lenders differ in what they are good at: some are strongest on new equipment with a promotional rate behind it, some will write paper on a fifteen-year-old baler that a bank will not touch, and some are more flexible on payment timing than others.
Because we are not tied to a single source, we can take the same deal to more than one place and bring you back the structure that actually fits. You are not getting one answer and a take-it-or-leave-it.
If you already have a relationship with your own bank or farm credit association, that works too. Plenty of our customers finance through their own lender and we simply provide whatever documentation they need on the equipment.
Financing Options We Can Structure
Frequently Asked Questions
Yes. Used equipment financing is a regular part of what we do, and most of the lenders we work with handle it without a problem. Terms are typically shorter than on new equipment and the rate may be slightly higher, but the machine does not have to be new to qualify.test
There is no single cutoff. Ag lenders look at the whole picture, including how long you have been farming, the health of the operation, your down payment and the equipment itself, which serves as collateral. We have placed financing for buyers across a wide range of credit profiles. If you are not sure where you stand, apply and find out rather than assuming.
Many applications come back within one business day. Larger or more complex deals can take a few days, especially if the lender wants financial statements or tax returns. If you are on a deadline, tell us and we will push.
Yes, and a lot of our customers do. Annual payments timed to when you sell the crop are standard in ag equipment lending. Semi-annual and seasonal schedules are also available.
Yes. Leasing can make sense if you want a lower payment, you replace equipment on a regular cycle, or your accountant prefers the tax treatment. We can run the numbers both ways so you can see the actual difference.
It depends on the lender, the equipment and your credit. Some programs are available with zero down. Others want 10 to 20 percent. A larger down payment generally improves the rate.
Yes, and this is often the cleanest way to handle it. We take trades on equipment we did not sell you, including other brands. Get it appraised and the trade value can go straight toward your down payment.
That depends on the lender and the specific contract. Some have them, some do not. Ask us before you sign and we will tell you exactly what the terms say.
Often yes. Attachments bought at the same time as the machine can usually be rolled into the same contract. Ask when you are structuring the deal, because adding them later is harder.
We sell and deliver across southern Idaho, eastern Oregon and into Nevada, and our lenders work across state lines. Give us a call and we will confirm for your situation.
For most applications: basic business and personal information, a description of the equipment, and an idea of your down payment. Larger deals may require tax returns or financial statements. We will tell you up front rather than asking for things one at a time.
Ready to Talk Numbers?
Call either location and ask for the sales team, or start an application online and we will come back to you with options.
Prefer to call? Fruitland: (208) 941-6000 | Jerome: (208) 886-0086