Tractors & Field Equipment
- Utility tractors
- Row crop tractors
- Tillers, cultivators, and discs
Structured financing helps your operation invest in the equipment it needs without tying up working capital before the season gets moving.
With the right financing structure, your farm operation can:
Startups can qualify using liquidity and ownership strength.
Regular incoming revenue signals stronger approval potential than reported profit alone.
Common-use farm equipment that holds value well in the market can improve financing strength and lender confidence.
Approval options exist even if credit isn't perfect, especially with strong business fundamentals.
Every approval is different. Available options may depend on the equipment type, age, condition, hours, seasonal revenue, seller information, business revenue, time in business, credit profile, cash flow, down payment, and overall deal strength.
Apply in minutes and connect with a TrueCore Capital rep who will help you secure the best options for your business — with flexible terms, fast approvals, and no upfront costs.
*Soft pull only — applying will not impact your credit score.
Yes. Used farm equipment can often be financed, including tractors, combines, balers, planters, sprayers, irrigation equipment, grain carts, loaders, skid steers, and other agricultural equipment. Lenders may review the equipment’s age, hours, condition, seller information, and resale value.
Newer farm operations may still have financing options, but the file usually needs to be stronger. A solid down payment, strong bank statements, relevant operating experience, seasonal revenue plan, and clear use case for the equipment can help improve approval potential.
In some cases, yes. Farm and agricultural businesses often have seasonal cash flow, so available structures may depend on the crop cycle, revenue timing, equipment type, lender program, and overall strength of the file.
Lenders usually review the equipment type, age, hours, condition, seller information, business revenue, seasonal cash flow, time in business, credit profile, down payment, and overall deal strength. Equipment that is essential to production or operations can help support the request.
Yes, but these purchases may require more documentation than a dealer sale. Lenders may ask for seller information, equipment details, invoices or purchase agreements, photos, serial number information, inspection documents, or proof of condition.
Pre-qualification can happen quickly with a soft pull that won’t impact your credit score, giving you a fast look at potential financing options. Full approvals can be as quick as same-day — sometimes within a few hours — when the application, equipment details, seller information, and required business documents are complete.
Challenged credit does not automatically mean a farm equipment financing deal is impossible. Options may depend on the equipment, down payment, revenue, bank statements, time in business, operating history, and overall deal strength. For challenged credit profiles, a stronger down payment can help improve how the file is reviewed.
When payments are managed responsibly and the financing account is reported appropriately, farm equipment financing may help strengthen your business credit profile for future purchases.
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