Planter & Seeder Financing

Finance 12–48 row planters, air seeders and drills — including precision meter retrofits — with the first payment deferred to after harvest. Representative example: a $275,000 planter runs about $5,200/month.*

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The Planter Reality

Planting is a ten-day window that sets the entire year's yield, and the machine that does it gets bought in the spring and paid for out of a harvest six months later. That gap is the whole financing problem: the cash goes out at the least liquid moment in the farm year. A deferred first payment closes it, and it costs less than the operating note most growers use instead.

Built for This Asset

Structures priced by people who know what a planter 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

12–48 row planters
Air seeders and air drills
Precision meters and singulation upgrades
Row-unit, closing-wheel and downforce retrofits
Liquid and dry fertilizer attachments
Used planters and trade-up packages

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 the first payment wait until after harvest?

Yes — a deferred first payment on a spring purchase is standard here, and it is usually cheaper than drawing the operating line to cover the same gap.

Can precision upgrades to a planter I already own be financed alone?

Yes. A meter and downforce retrofit is a real capital purchase even though it is not a whole machine, and it finances on its own schedule.

Can I finance a used planter?

Yes — used planter 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 planter 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 planter & seeder 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 planter?

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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