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.
Yes! Farmers can finance farm storage facilities like grain bins, cold storage, and fertilizer tanks through USDA programs, equipment loans, and agricultural lenders.
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.
You can finance nearly every type of storage facility or system on your farm:
Steel grain bins and hopper bins
Grain dryers and aeration systems
Augers and conveyors
Walk-in coolers for produce or dairy
Freezer units for meat and poultry
Temperature monitoring systems
Fertilizer tanks (liquid and dry)
Pesticide and herbicide containment units
Fuel tanks and pumps (on-farm storage)
Steel buildings for tractors and implements
Insulated workshops and garages
Commodity storage buildings (hay, feed, etc.)
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 ↗️
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
Shorter term, lower upfront cost
Great for modular cold storage or mobile units
Option to buy at end of lease
Use flexible funds during off-season or tight cash flow periods
Ideal for partial builds or equipment-only storage upgrades
| Storage Type | Estimated Cost | Monthly Payment (10 yrs @ 7%) |
|---|---|---|
| 30,000-bushel grain bin | $50,000–$60,000 | ~$580–$690/month |
| Equipment shed (40x60 ft) | $30,000–$45,000 | ~$350–$520/month |
| Cold storage (produce/dairy) | $80,000–$120,000+ | ~$930–$1,400/month |
| Fertilizer storage tanks | $15,000–$25,000 | ~$170–$290/month |
Identify your storage needs (grain, cold, equipment, etc.)
Get quotes from contractors or equipment dealers
Choose a lender or USDA program
Submit an application with business and financial documents
Secure funding and begin construction or installation
Use storage improvements to boost farm efficiency and profit
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)
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
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.
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.