Equipment commonly financed
Assets used in agriculture
Examples include the equipment below. Eligibility depends on commercial use, transaction size, condition, seller and lender requirements.
- Tractors and articulated tractors
- Combines and harvesting equipment
- Seeders, planters and air drills
- Sprayers and applicators
- Balers and forage equipment
- Grain carts, augers and handling systems
- Farm trucks and commercial trailers
- Skid steers, loaders and telehandlers
- Attachments and precision-ag packages
Annual cash flow matters more than one month
Agricultural revenue can be concentrated around production cycles. Lenders may review historical annual results, crop or service mix, existing debt, equipment equity and the timing of the new payment obligation.
Used farm equipment and private sales may be considered when hours, condition, serial numbers, ownership and market value are clear. For auctions, contact Merrit Capital before bidding whenever possible; auction deadlines leave little room to resolve missing information afterward.
Qualification is transaction-specific. Merrit Capital does not promise approval, rates, down payment, term or funding time before a lender has reviewed the borrower, asset and documents.