View of a tractor inside a storage warehouse, with a green metal trailer labeled "Welger" attached to it.

Farm Equipment Loans

Equipment Financing, Simplified.

Keep your operation running with financing for new or used farm equipment — tractors, combines, planters, and more — arranged by an advisory team that understands the ag equipment lifecycle.

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Wide range of credit scores eligible

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Covers new or used purchases

Get Started

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Get a credit decision in hours, not days

Loan Program Details

  • A vast green farm with neatly planted crops and a distant tree line under a blue sky with contrails.

    1. Eligible Equipment


    Tractors, combines, sprayers, trucks, planters and seeders, grain carts, hay and forage equipment, tillage equipment, irrigation equipment, pivots, skid loaders and wheel loaders, trailers, atv’s, and more.

    Purchases from a dealer, at auction, or from an individual seller, new or used are all eligible.

    Don’t see your equipment listed?

    Ask — the list of eligible equipment is often broader than most lenders advertise.

  • A cowboy on horseback herding cattle across a grassy field with mountains in the background and two additional cowboys on horseback in the distance.

    2. How Financing Works


    First, we help you pin down the equipment and a realistic budget, since lenders want to see repayments that fit your seasonal income.

    Second, we help you gather the key documents — typically two to three years of income history (like a Schedule C or F), financial statements, and proof of insurance.

    Third, a simple application is often all it takes to get a credit decision within hours, not days.

  • A person driving a red utility vehicle through an orchard with rows of apple trees bearing red apples on the left and a grassy path on the right, with signboards and trees in the background.

    3. Financing By Operation Type


    We work across every type of operation:

    Row crop (tractors, planters, sprayers, combines, grain carts), livestock and dairy (feeders, mixers, skid loaders, manure spreaders, milking systems), specialty crop (harvesters, sprayers, pruning equipment), hay and forage (swathers, rakes, balers, wrappers), irrigation systems, grain handling and storage (bins, dryers, conveyors, augers), forestry and woodlot equipment, rural property and land management equipment.

Credit & Terms FAQ

  • A higher score (700+) typically secures the best terms, but we work with a wide range of credit profiles — a lower score doesn’t automatically disqualify you.

  • Both. We’ll structure the right loan or lease whether you want the latest model or a reliable used machine to manage costs.

  • Depends on your goals — buying builds equity over time, leasing lowers upfront cost and makes it easier to upgrade. See our Farm Equipment & Facility Leasing pages for the lease side of that comparison.

  • Many equipment purchases qualify for Section 179 deductions. Talk to your tax advisor about how that applies to your situation.

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