Grain Handling & Storage Financing

Finance grain bins, dryers, legs and conveyors including concrete, electrical and installation — with payments starting once the bin is filled. Representative example: a $350,000 grain system runs about $6,700/month.*

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The Grain system Reality

On-farm storage is a marketing asset dressed as a construction project. What it buys is the right not to sell into the harvest low — the return is basis improvement measured in cents a bushel, compounding every year the bin stands. The build itself lands in the narrow window between harvest and spring, with a contractor drawing money in stages, and the earning doesn't start until there's grain in it.

Built for This Asset

Structures priced by people who know what a grain system 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

Grain bins, hopper tanks and wet holding
Continuous-flow and batch dryers
Legs, augers, conveyors and bucket elevators
Scales, sampling and aeration controls
Site concrete, electrical service and installation
Bin additions and dryer retrofits

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 financing cover concrete and installation, not just the bin?

Yes — and it should. Site work is often a third of the project, and leaving it out of the financing is what pushes growers into paying for it with cash they needed elsewhere.

Can payments start after the build is finished?

Yes. Progress payments to the contractor during construction, with your first payment after the system is commissioned and filled.

Can I finance a used grain system?

Yes — used grain system 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 grain system 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 grain handling & storage 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 grain system?

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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