Running a modern farm requires significant investment in machinery—and the upfront cost of tractors, harvesters, and other farm equipment can be overwhelming. That’s where agricultural equipment leasing comes in.
By leasing instead of buying, farmers can access the latest technology, manage seasonal cash flow, and maintain flexibility—all without tying up vital capital.
What farm equipment can be leased?
Tractors, combines, harvesters, sprayers, balers, seeders, and irrigation systems can all be leased to support modern agricultural operations.
Leasing is available for almost every type of farm machinery and ag tool, including:
Tractors (compact, utility, row crop, 4WD)
Combine harvesters
Balers and windrowers
Seeders and planters
Sprayers and spreaders
Irrigation systems and pumps
Cultivators and plows
Tillers and harrows
ATVs and UTVs
Skid steers and loaders
Grain carts and wagons
Portable generators
Feed equipment
Grain bins
Barn tools
Specialty livestock systems
Used equipment is often eligible as well, especially when in good condition and purchased through a certified dealer.
Avoid massive upfront investments and preserve working capital for seed, fuel, and labor.
Choose short- or long-term lease durations to align with your growing seasons or harvest cycles.
Leasing allows you to regularly update machinery—essential in a tech-driven industry with ever-evolving automation and GPS tools.
Predictable expenses help manage seasonal income fluctuations common in agriculture.
Lease payments may be fully deductible, and Section 179 may apply to certain financed purchases.
Explore your Section 179 eligibility here (opens in new tab)
| Feature | Lease | Buy (Loan or Cash) |
|---|---|---|
| Upfront Cost | ✅ Lower | ❌ Higher |
| Ownership | ❌ Not unless buyout option chosen | ✅ Full ownership |
| Tech Upgrades | ✅ Easier to replace or upgrade | ❌ May be stuck with aging equipment |
| Flexibility | ✅ Align with seasons or harvest cycles | ❌ Locked into long-term use |
| Long-Term Cost | ❌ Higher over time if kept | ✅ Lower if kept 5+ years |
Small and mid-size farms with limited upfront cash
Large commercial growers upgrading fleets regularly
Family farms managing seasonal income
Specialty growers (vineyards, orchards, organics)
Livestock operations needing rotational tools or feeders
Even new operations can qualify with strong business plans or personal guarantees.
Determine what equipment you need
Get a quote from a vendor or dealer
Choose a leasing company and submit an application
Review lease terms and structure (FMV or $1 buyout)
Sign agreement and take delivery
Begin using your equipment in the field
AgDirect – Farm Credit-backed equipment financing
Crest Capital – Offers lease programs for ag and rural businesses
Farm Credit Services – Flexible terms for new and used ag machinery
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Farmers are facing rising costs, evolving technology, and unpredictable growing conditions. Agricultural equipment leasing offers a smart path to modernization without risking your bottom line. Stay competitive, manage your risk, and make every acre count.
Ready to lease a tractor, harvester, or irrigation system?
Compare providers, review terms, and lock in equipment that keeps your farm moving forward—without breaking the bank.