Farm Equipment Financing

Farm equipment financing with harvest-timed payments — tractors, combines, and implements, new and used, dealer or auction. Representative example: a $150,000 tractor runs about $2,8xx/month.*

Get a Quote Talk to an Expert

The Tractor Reality

Farm revenue arrives at harvest; equipment payments come due monthly — unless the financing is built by people who understand agriculture. Annual, semi-annual, and skip schedules timed to crop and livestock sales are normal structures here.

Built for This Asset

Structures priced by people who know what a tractor earns and how it holds value — not a generic credit box.

Agriculture & Farming Expertise

Part of our Agriculture & Farming vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Utility to 4WD row-crop tractors
Combines and harvesters with heads
Planters, sprayers, and tillage equipment
Hay and forage equipment
Grain handling, bins, and dryers
Used, auction, and neighbor-to-neighbor purchases

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can payments come due at harvest instead of monthly?

Yes — one payment at harvest or two timed to crop and livestock sales are standard agricultural structures, not special requests. The schedule follows your revenue. See payment structures.

How is Elevex different from dealer captive financing?

Captives finance their brand's new equipment on their program's terms. We're brand-agnostic across the whole operation — mixed fleets, used iron, irrigation, and grain systems in structures a captive can't write.

Can I finance a used tractor?

Yes — used tractor financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a tractor qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can farm equipment financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

EDITOR NOTE (remove before launch): *Representative example for illustration only — not an offer of credit. Actual payment depends on credit profile, term, structure, and equipment; all financing subject to approval. Explore <a href="/equipment-financing">equipment financing</a>, <a href="/equipment-leasing">equipment leasing</a>, or estimate tax savings with the <a href="/section-179-calculator">Section 179 calculator</a>.

Ready to finance your tractor?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

Apply Now Sellers: Register