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New Equipment Today. Full Write-off This Year.
Finance new or used equipment before December 31st to use Section 179 for a 100% tax deduction. Learn More
How Farm Equipment Finance and Leasing Can Work for You
Farm equipment in good working condition is essential to keep your operation running. If equipment isn’t operating correctly, you won’t be able to get in the field when the timing is right. A late planting from compromised equipment can lead to a shorter growing season and lower yields.
While equipment is necessary to any farming operation, it isn’t always affordable. When you need to replace or upgrade equipment on the farm, consider farm equipment leasing to save your business money.
Stay in the Field and Out of the Shop
- New equipment is less likely to break down or need costly repairs
- Farm equipment in good condition keeps your operation working efficiently

Maximise Your Tax Savings
- The Section 179 deduction allows most farmers to deduct 100% of their equipment costs in the same year
- When financing, depreciation is based on the term of the lease so you can speed up depreciation an enjoy tax write-offs
Affordable Solution for Equipment
- Leasing allows you to get new farm equipment without a down payment
- Better estimate cash flow needs with a set financing payment
Utilize Technology in Your Operation
- Invest in tablets and mobile computing devices to manage your operation when you’re in the field
- Upgrade your precision agriculture technology as new equipment and solutions become available
Farm Equipment Financing Details
Leasing new or pre-owned farm equipment is an accessible option for many farms. If you have multiple pieces of equipment that need to be replaced, you can reduce costs by leasing instead of buying. Ranches, dairies and other livestock operations can especially benefit from agricultural equipment loans. Many operations install livestock equipment all at once, so items begin to show wear around the same time as well. Leasing new livestock equipment helps you replace older equipment and provide for your farm operation.
National Funding is a leader in farm equipment finance with low monthly payments and multiple loans and lease options.
Qualifications for Equipment Financing and Leasing
6 months
in business
FICO score
over 575
Equipment quote
from a vendor
How to Apply
Applying for new or used farm equipment loans is easy. If your farm has been in operation over 6 months, you have a FICO score over 575 and your vendor has sent you a quote for equipment, we can help you get started applying for financing.
Why National Funding?
When searching for a farm equipment financing company, you want to know that the company has experience working with agriculture businesses. As a farmer your business needs are unique from any other type of business. National Funding has helped over 40,000 businesses, including farms, get the equipment financing they need to keep operations moving. Let our Loan Specialists create a customized equipment financing solution for all of your farm and ranch equipment needs.
We Know Farming Businesses
Experience supporting farming business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hoursLoan Specialists Who Care
Experienced Loan Specialists help you make the right decisionPreserve Cash
Hold on to more of your hard-earned cash for use in other parts of the businessRatings & Reviews
As a leader in the farm equipment loan and leasing industry, we’ve helped farm owners nationwide get the equipment they need.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.