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Sector case studies

Farm, vineyard & agricultural equipment financing case studies

Farm machinery, vineyard equipment and agricultural operating assets. Condition, seasonal use and the distinction between equipment and property define the project.

At a glance

This collection documents 75 projects involving tractors, combines, balers, trailers, vineyard equipment and other farm machinery, new and used: 48 acquisitions or replacements, 21 used or refurbished equipment projects, 5 sale-leasebacks or refinancings, 1 vendor or sales-financing programs. Each case describes the equipment need and the support provided; client identities are withheld, and historical amounts and terms are context, not current offers.

What these projects have in common

Farm projects are tied to the season. Many cases in this collection concern used machines, a replacement that could not wait until harvest, or equipment bought for a new service to other farms. The age, hours and service records of a used machine were part of the discussion from the first exchange.

How a financing partner reads a project in this sector

Seasonal income, crop or livestock contracts and the history of the operation explain how a payment schedule can follow the farm's cash cycle. A mainstream tractor with documented hours is easier to value than a highly specialized implement, which shifts more weight onto the operation itself. A farm that is expanding or starting a contracting service receives more questions, not an automatic refusal.

Each financing provider applies its own criteria, and this website does not publish them. A project that does not match one provider's focus is a question of fit, not a verdict on the business.

What to prepare for a similar project

  • The machine, new or used, with hours and service history when used
  • The season or deadline the equipment must meet
  • How revenue arrives during the year and any contracts behind it
  • A trade-in, if any, and the balance left to finance

Describe your project and Leaseworld will review whether an introduction to a financing partner makes sense.

Guides for this sector

Agricultural equipment financing guideFarm and winery equipment leasing: tractors, combines, harvesters and cellar tanks, with OSHA tractor rules, TTB tank rules, used machinery and FSA loans.Farm equipment and seasonal cash planningA farm equipment budget should connect delivery, seasonal work and expected receipts while retaining room for operating costs.Financing used equipmentInformation to prepare for a possible financing introduction involving used or refurbished business equipment.

75 documented examples

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Equipment acquisitions and replacements

Businesses acquiring, replacing or adding equipment for their own use.

Used and refurbished equipment

Projects built around a used, refurbished or reconditioned machine, where condition and records were part of the discussion.

Sale-leaseback and refinancing of owned equipment

Businesses releasing cash from equipment they already owned, while continuing to use it.

Vendor and sales-financing programs

Manufacturers, distributors, installers and agencies offering a monthly payment to their own customers.

Each case describes the equipment need and support provided. Historical amounts and terms are project context, not current financing offers.

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