Funding Farm Storage Facilities and Equipment

Grain bins. Cold storage. Equipment sheds. Fertilizer tanks. These are just a few of the storage solutions that modern farms rely on to operate efficiently, reduce waste, and increase profitability. But building or upgrading farm storage can cost thousands — even hundreds of thousands — of dollars. Fortunately, funding farm storage facilities and equipment is possible through a variety of financing options tailored to agricultural needs.

Can You Finance Farm Storage Facilities?

Yes! Farmers can finance farm storage facilities like grain bins, cold storage, and fertilizer tanks through USDA programs, equipment loans, and agricultural lenders.

Why Farm Storage Matters

Modern agriculture is about more than planting and harvesting. Proper storage:

• Prevents spoilage and post-harvest losses

• Allows you to sell when prices are high

• Helps you buy feed, fertilizer, and inputs in bulk

• Protects equipment from weather damage

• Improves overall farm efficiency and profitability

But storage infrastructure requires capital — and that's where financing can help.

What Farm Storage Equipment Can You Finance?

You can finance nearly every type of storage facility or system on your farm:

🌾 Grain Storage

• Steel grain bins and hopper bins

• Grain dryers and aeration systems

• Augers and conveyors

❄️ Cold Storage & Refrigeration

• Walk-in coolers for produce or dairy

• Freezer units for meat and poultry

• Temperature monitoring systems

🛢️ Liquid & Dry Input Storage

• Fertilizer tanks (liquid and dry)

• Pesticide and herbicide containment units

• Fuel tanks and pumps (on-farm storage)

🏗️ Equipment & Supply Sheds

• Steel buildings for tractors and implements

• Insulated workshops and garages

• Commodity storage buildings (hay, feed, etc.)

Top Funding Options for Farm Storage Facilities

1. USDA Farm Storage Facility Loan (FSFL) Program

• Government-backed loan for grain bins, cold storage, and more

• Terms up to 12 years

• Fixed interest rates

• Available to both small and large operations

Learn more: USDA FSFL Program ↗️

2. Ag Equipment and Infrastructure Loans

• Offered by banks, credit unions, and ag lenders

• Use funds for buildings, bins, or related storage systems

• Up to 10–15 year terms depending on asset lifespan

3. Leasing Storage Equipment

• Shorter term, lower upfront cost

• Great for modular cold storage or mobile units

• Option to buy at end of lease

4. Operating Lines of Credit

• Use flexible funds during off-season or tight cash flow periods

• Ideal for partial builds or equipment-only storage upgrades

Sample Costs & Financing Estimates

6 Steps to Fund Your Farm Storage Project ✅

1. Identify your storage needs (grain, cold, equipment, etc.)

2. Get quotes from contractors or equipment dealers

3. Choose a lender or USDA program

4. Submit an application with business and financial documents

5. Secure funding and begin construction or installation

6. Use storage improvements to boost farm efficiency and profit

Related: How to Budget for Equipment Leasing Effectively

What You'll Need to Apply

• Farm ownership documents or lease agreements

• Construction plans or equipment quotes

• Farm income statements or tax returns

• Credit score (600+ ideal)

• Down payment (often 10%–20% for loans)

Summary: Funding Farm Storage Made Simple

• Finance grain bins, cold storage, fertilizer tanks, and equipment sheds

• Choose from USDA loans, ag lenders, or leasing options

• Improve efficiency and preserve crop quality year-round

Final Thoughts: Build a Smarter, More Profitable Farm

Proper storage isn’t just a convenience — it’s a profit driver. With the right financing, you can expand capacity, reduce waste, and protect your assets while keeping your  cash flow steady. Whether you’re storing grain, produce, fuel, or equipment, there’s a funding solution to fit your farm’s goals.

Take Action: Apply for Farm Storage Financing Today

Ready to upgrade your farm’s storage facilities?
Apply now to finance grain bins, cold storage units, fertilizer tanks, or equipment sheds — and protect your investment for the long haul.