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Agriculture & Landscaping Equipment Financing equipment financing
Industry Financing

Agriculture & Landscaping Equipment Financing

Get fast, flexible farm equipment financing with seasonal payment options that match your harvest cycle. Whether you need a farm equipment loan for tractors and combines or landscape equipment financing for your commercial operation, we help you acquire the machinery you need without draining your cash reserves.

How it Works

Equipment Age

New & Used

Payment Style

Seasonal available

Credit Score

630+ Accepted

Speed

Pre-approval in 60 seconds

Farm Equipment Financing Built for Agricultural Operations

Running a successful farm or landscaping business requires the right equipment at the right time. But with machinery costs ranging from thousands to hundreds of thousands of dollars, paying cash isn't always practical. Learn more about how equipment financing works.

Why Equipment Financing Makes Sense

  • Preserve Working Capital: Keep cash for seeds, labor, and operating expenses
  • Upgrade Equipment: Get newer, more efficient machinery
  • Seize Opportunities: Take advantage of time-sensitive auction deals
  • Spread Costs: Match payments to equipment's productive life

Seasonal Payment Programs for Farming Operations

Farm income is cyclical. Your equipment loan payments should be too.

Slow Season: During winter months when cash flow is tight, make lower monthly payments. For example, a seasonal payment structure might require $2,500 per month during off-season.

Peak Season: When harvest revenue is strongest, make larger payments. The same loan might require $5,000 per month during peak earning periods.

Seasonal payment structures help you manage expenses year-round without financial strain. A well-structured farm equipment loan aligns with your actual cash flow.

Landscape Equipment Financing for Commercial Operations

Professional landscaping companies face similar challenges. Revenue peaks during growing season and slows in winter months.

What We Finance for Landscaping Businesses:

  • Commercial mowers and zero-turn equipment
  • Skid steers and compact loaders
  • Trenchers and excavation equipment
  • Trucks and trailers
  • Sprayers and fertilizer applicators
  • Complete fleet packages

Whether you need a lawn equipment loan for a single zero-turn mower or financing for an entire fleet, our flexible terms help you grow your business. Seasonal payment options align with your busy season.

Credit Requirements: More Accessible Than You Think

Many farmers and landscapers assume they won't qualify for equipment financing. The reality is more encouraging.

We work with credit scores as low as 630-650+, and sometimes lower when you have:

  • Strong Annual Revenue: Consistent sales demonstrate ability to repay
  • Land or Property Ownership: Assets strengthen your application
  • Established Business History: Track record in farming or landscaping
  • Quality Collateral: The equipment itself secures the loan

What Equipment Can You Finance?

From small family farms to large commercial landscaping operations, equipment financing covers virtually everything you need:

Farm Equipment

  • Tractors (utility, row-crop, and specialty models)
  • Combines and grain harvesters
  • Planters, seeders, and tillage equipment
  • Irrigation systems, pumps, and water management
  • Grain bins, silos, and storage infrastructure
  • Precision agriculture technology and GPS systems

Landscape and Lawn Equipment

  • Commercial mowers and zero-turn equipment
  • Skid steers and compact loaders
  • Trenchers and excavation equipment
  • Trucks and trailers
  • Sprayers and fertilizer applicators
  • Complete fleet packages

Don't see your equipment? Most agricultural and landscaping machinery qualifies for an equipment loan. Just ask our team about your specific needs.

Get pre-qualified in 60 seconds. Compare rates from multiple lenders. Choose seasonal payment options that match your cash flow.

Ready to get started? Use our equipment financing calculator to estimate your monthly payments, or check your eligibility to see what you qualify for. Don't forget to explore Section 179 tax deductions that could save you thousands.

Why Finance Your Equipment?

Seasonal Payment Flexibility

Structure your farm equipment loan payments around harvest cycles. Pay more when revenue is high, less during slow months.

New & Used Equipment

Finance both new machinery and quality used equipment from dealers, auctions, or private sellers.

Multiple Purchase Sources

Dealer purchases, auction bids (Ritchie Bros, IronPlanet), and private-party sales all qualify for equipment financing.

60-Second Pre-Approval

Get pre-qualified fast so you can bid at auctions with confidence. Know your budget before you buy.

Simple Application Process

Streamlined technology platform means less paperwork and faster loan approvals than traditional banks.

Flexible Loan Terms

Choose 3-7 year terms that match your equipment's useful life and your cash flow requirements.

What Can You Finance?

Tractors
Combines
Sprayers
Grain Bins

Frequently Asked Questions

Can I make seasonal or annual payments on my farm equipment loan?
Yes. Credion specializes in seasonal payment structures for agricultural operations. You can align your farm equipment financing payments with your harvest cycle, making larger payments when cash flow is strong and smaller payments during slower months. This flexibility is specifically designed for the unique financial rhythm of farming.
Do you offer financing for older tractors and used equipment?
Absolutely. Equipment financing is available for both new and used machinery. Age eligibility varies by equipment type and condition, but quality used tractors, combines, and other farm equipment often qualify. Financing used equipment helps you upgrade your operation while keeping costs manageable.
What about landscape equipment financing for my lawn care business?
Credion finances commercial landscaping and lawn equipment including mowers, skid steers, trenchers, and trailers. Whether you need a lawn equipment loan for a single piece of machinery or financing for multiple items, the same flexible terms and seasonal payment options apply to landscape equipment financing.
Do I need to own land to qualify for an equipment loan?
Land ownership strengthens your application and may help you secure better terms, but it's not strictly required. Credion evaluates your complete financial picture including credit score, business revenue, time in business, and the equipment value itself. Many successful applicants finance equipment without owning land.
Can I finance equipment purchased at auctions?
Yes. Auction purchases from Ritchie Bros, IronPlanet, and other equipment auctions qualify for financing. Credion provides fast pre-approval so you know your budget before bidding. Their team understands auction timelines and can move quickly to fund your purchase after you win.
What credit score do I need for farm equipment financing?
Credion works with credit scores starting at 630-650+. In some cases, applicants with lower scores qualify when they demonstrate strong revenue, land ownership, or other positive factors. Their wide credit acceptance helps more farmers and landscapers access the equipment financing they need.
Why choose Credion over a traditional bank for my equipment loan?
Traditional banks often don't understand agricultural and landscaping business cycles. Credion offers seasonal payment flexibility, faster approvals (60-second pre-qualification), and experience with farm and lawn equipment specifically. Their streamlined process means less paperwork and quicker funding than most banks provide.
How long does the equipment financing approval process take?
Pre-qualification takes about 60 seconds online. Full approval and funding timelines vary based on your application, but Credion's technology platform streamlines the process significantly compared to traditional lenders. Many applicants receive decisions within 24-48 hours.

Simple 3-Step Process

We've removed the friction from equipment financing. Get back to work faster.

1

Apply Online

Fill out our simple 2-minute application. No paperwork, no tax returns needed for deals under $250k.

2

Get Approved

Review your offers with a dedicated account manager. Pick the term and payment that fits your budget.

3

Get Funded

Sign documents electronically. The lender pays the vendor directly, and you get your equipment.