Combine Financing

Finance Class 7–10 combines and heads with a single annual payment after harvest, underwritten on separator hours rather than model year. Representative example: a $450,000 combine runs about $8,600/month.*

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The Combine Reality

A combine earns for three to six weeks a year and sits for the other forty-six. Nothing else on a farm concentrates its entire return that tightly, and nothing is worse served by a level monthly payment. The other thing that makes a combine unusual is that separator hours, not model year, decide what it's worth — a low-hour machine three years older can be the better buy and the better collateral.

Built for This Asset

Structures priced by people who know what a combine 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

Class 7–10 combines
Corn heads and grain platforms
Draper and flex heads
Header trailers and transport
Yield-monitor and moisture-sensing upgrades
Used, off-lease and auction combines

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.

Learn more about financing structures

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 I pay once a year, after harvest?

Yes. A single annual payment timed to grain sales is the most common combine structure we write.

How do separator hours affect what a used combine finances at?

They matter more than the year on the decal. We underwrite the separator meter and the service record, which is why a well-kept high-hour machine and a neglected low-hour one do not get the same terms.

Can I finance a used combine?

Yes — used combine 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 combine 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 combine 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.

Ready to finance your combine?

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

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