Finance John Deere, Case IH, Kubota, New Holland, and AGCO equipment with $10K–$500K. Decisions in 24 hours, built for farming operations of all sizes.
Apply for Farm Equipment Financing Call (305) 384-8391Agricultural equipment costs have climbed dramatically. Here's what you're facing.
Farming in 2026 is capital-intensive. A mid-range John Deere 6M series utility tractor runs $120,000–$180,000 new. A Case IH Axial-Flow combine can exceed $500,000. Even a commercial Kubota tractor package — tractor, loader, and implements — routinely hits $60,000–$90,000.
For most farming operations, paying cash for equipment means depleting working capital needed for seeds, fertilizer, crop inputs, and labor — the very inputs that generate next season's revenue. Equipment financing solves this by spreading the capital cost over time while you retain cash for operations.
New Holland's T6 series tractors list between $95,000 and $145,000. AGCO's Fendt and Massey Ferguson lines serve mid-to-large operations at comparable price points. The reality is that modern precision agriculture requires modern equipment — and that equipment requires strategic financing.
Unlike retail or service businesses, farms generate most of their revenue during harvest — typically a concentrated 4–8 week window per crop cycle. But equipment breaks down, needs replacing, or needs to be acquired before planting season, not after harvest when cash is available.
A corn or soybean operation in the Midwest may spend $300–$500 per acre on inputs before a single dollar of crop revenue arrives. An apple orchard or berry farm in the Southeast has similar front-loaded cash demands. This mismatch between when money goes out and when it comes in is the defining financial reality of agriculture.
Equipment financing through MFE allows you to acquire the machinery you need now, with repayment structured around your actual cash flow — not a bank's standardized monthly payment schedule.
Utility tractors, row-crop tractors, compact tractors — all brands and configurations. John Deere 5E–8R series, Case IH Maxxum and Magnum, Kubota M7 series, New Holland T5–T8 series, AGCO Fendt and Massey Ferguson.
Grain combines, corn heads, row crop headers, forage harvesters, and specialty harvest equipment. Finance the full combine package — header, separator, and grain cart — in a single transaction.
Center pivot systems, drip irrigation, subsurface systems, pump stations, and water management infrastructure. A standard center pivot system for 160 acres runs $60,000–$100,000 installed — a prime use case for equipment financing.
Grain bins, augers, conveyors, dryers, and grain monitoring systems. On-farm storage lets you sell at better prices rather than rushing to sell at harvest when prices are lowest. Finance the infrastructure that builds long-term profitability.
Planters, air seeders, no-till drills, and precision planting systems. A 16-row John Deere ExactEmerge planter runs $200,000+. Equipment financing lets you adopt precision planting technology that pays back in improved yields without draining cash reserves.
Feedlots, milking equipment, livestock handling systems, poultry houses, greenhouse structures, and specialty crop equipment. We finance farming operations across all agricultural sectors, not just row crops.
Understanding current market prices is essential for planning your financing strategy. These are realistic 2026 market ranges for major equipment categories:
| Equipment Type | Brand Example | Typical Price Range | Common Financing Term |
|---|---|---|---|
| Utility Tractor (100-150 hp) | John Deere 6120M | $110,000 – $145,000 | 36–60 months |
| Row-Crop Tractor (200+ hp) | Case IH Magnum 250 | $220,000 – $280,000 | 48–60 months |
| Compact Utility Tractor | Kubota M7060 | $45,000 – $75,000 | 24–48 months |
| Grain Combine | New Holland CR8.90 | $380,000 – $520,000 | 48–60 months |
| Center Pivot Irrigation | Valley / Reinke (160 ac) | $65,000 – $100,000 | 36–60 months |
| Precision Planter (16-row) | John Deere ExactEmerge | $180,000 – $220,000 | 36–60 months |
| Hay Baler (Round) | AGCO Hesston 2370 | $30,000 – $55,000 | 24–48 months |
| Grain Bin (25,000 bu) | Sukup / GSI | $40,000 – $65,000 installed | 36–60 months |
Prices are approximate 2026 market ranges. Actual prices vary by dealer, region, configuration, and whether equipment is new or used.
MFE's equipment financing is straightforward. The equipment serves as collateral for the loan, which means lower rates than unsecured working capital — and it preserves your other assets and credit lines for different needs.
| Option | Speed | Flexibility | Requirements |
|---|---|---|---|
| MFE Equipment Financing | 24 hrs | High | Moderate |
| Traditional Bank Loan | 4–8 weeks | Low | Very High |
| Dealer Financing | 1–3 days | Low | Good Credit Required |
| Farm Credit Institutions | 2–6 weeks | Medium | High |
| Cash Purchase | Immediate | N/A | Full Capital Available |
Many farms need more than just equipment financing. Before your crop comes in — during planting season — you're spending on seed corn ($250–$350/bag), fertilizer ($600–$900/ton for anhydrous ammonia), herbicides, fuel, and labor. These costs don't wait for harvest.
MFE offers multiple products that work together to cover your full agricultural financing picture:
Covers machinery, vehicles, and infrastructure. Secured by the equipment — typically better terms than unsecured working capital.
Flexible cash for seeds, fertilizer, labor, repairs, and pre-harvest operating expenses. No collateral required. See our agriculture business loans page.
Revolving credit line to draw on as seasonal needs arise — ideal for farms with variable monthly expenses throughout the growing season.
Fixed daily or weekly ACH payments tied to your business revenue. Useful for operations with predictable weekly cash flow from CSAs, farmers markets, or direct-to-consumer sales.
Learn more about our full range of agriculture business loans and tractor financing options.
MFE finances virtually all types of agricultural equipment including tractors (John Deere, Case IH, Kubota, New Holland, AGCO), combines and harvesters, planting and seeding equipment, irrigation systems, grain bins, livestock equipment, hay balers, and more. Both new and used equipment qualify.
MFE offers equipment financing from $10,000 to $500,000 per transaction. Larger operations with strong revenue may qualify for higher amounts through our working capital or line of credit products.
Most farm equipment financing applications receive a decision within 24 hours. Funding can be completed in as little as 2–5 business days once all documentation is submitted.
No. MFE works with farmers across a wide range of credit profiles. While strong credit improves terms, we evaluate the overall health of your farming operation, including revenue, time in business, and cash flow seasonality.
Typically you'll need 3–6 months of business bank statements, a completed application, basic information on the equipment being financed, and a voided business check. Additional documentation may be requested for larger loans.
Yes, MFE finances used equipment. Used John Deere, Kubota, Case IH, and other major brand equipment qualifies. The equipment's condition and age may affect available terms.
Equipment financing is secured by the equipment itself and used specifically to purchase machinery. Working capital loans provide flexible cash for any business expense — seeds, fertilizer, labor, repairs — without being tied to a specific asset.
Yes. MFE understands agricultural seasonality. We work with farms that have seasonal revenue cycles, structuring payment terms that account for harvest-based cash flow rather than requiring equal monthly payments regardless of season.
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.