Farm & Agricultural Equipment Financing for Dealers

Why financing

Farm income is seasonal — financing lets growers buy when they need the machine, not when cash is in

A grower might need a planter in spring and not see real income until fall. Asking them to pay cash for a $130,000 tractor means waiting — or losing the sale to a dealer who offers payments. BNCPay puts monthly numbers and seasonal-friendly terms in front of the buyer while they’re still in your showroom or on your quote.

1

Show the payment, not just the price

A $130,000 tractor is a hard cash decision. $1,800 a month spread across the operating year is manageable. Showing it up front keeps the deal alive past the price-tag flinch.

2

Send the application in one click

When the grower is ready, your rep sends a financing application link from the HubSpot deal or your website. The customer applies through BNC Finance — no paperwork shuffle, no leaving the deal record.

3

Terms that fit the season

BNC Finance can structure terms from 24 to 84 months for agricultural buyers, helping align payments with planting, growing, and harvest income rather than a flat monthly hit.

Who buys from agricultural equipment dealers

Your buyers are operations that budget around the season

Row-crop farms, ranches, dairies, and ag contractors all make capital-equipment decisions against seasonal income. Financing is the standard way they acquire machinery without draining the operating account.

🚜

Row-crop & grain farms

Tractors, planters, and combines for corn, soybean, and grain operations. Financing keeps cash free for seed, fertilizer, and fuel. Typical deals: $50,000–$400,000.

🐄

Dairy & livestock operations

Feed mixers, skid steers, manure handling, and milking equipment — recurring, high-utilization machinery where payments map cleanly to milk or livestock revenue.

🌾

Hay & forage producers

Balers, mowers, rakes, and forage harvesters financed across the cutting season for custom operators and large hay producers.

💧

Irrigation & specialty crop

Center-pivot systems, irrigation pumps, and orchard/vineyard equipment — capital-heavy installs that financing makes feasible in a single season.

🛠️

Ag custom operators

Custom harvesting and spraying businesses financing fleets they run for hire — the equipment earns its payment through contract work.

🏡

Hobby & part-time farms

Compact tractors, UTVs, and implements for acreage owners and part-time operations that want manageable payments rather than a lump sum.

Works with your tools

BNCPay fits the platforms ag equipment dealers already use

Whether your sales team works in a CRM or your buyers find you through your website, BNCPay puts financing where the deal already happens.

Everything an agricultural equipment dealer needs to offer financing

BNCPay handles the financing infrastructure so your team can focus on selling, not paperwork.

⚡

Live payment estimates

Instant monthly payment calculations for any deal size and term. The number updates in real time as your rep adjusts price or term — no spreadsheets, no manual math, no “let me check with our finance team.”

🔗

Vendor-tagged application links

Every financing application link carries your vendor ID, so applications route directly to you — not a generic form. Your deal, your application, tracked to your account.

📞

Built-in call script

The HubSpot card includes a collapsible call script with talking points, common objections, and a financing close guide — written specifically for equipment financing conversations.

✉️

Personalized financing emails

Enter the machine and your email writes itself: “The John Deere 6M is as low as $1,845/mo on approved credit.” Equipment-specific, customer-specific, sent from HubSpot in one click.

📝

One-click note & task logging

Log a financing note or create a follow-up task on the deal in one click from inside HubSpot — pre-written, dated, and associated to the deal automatically.

🔒

You’re never the lender

BNCPay is a technology platform. BNC Finance handles all credit decisions, underwriting, and funding. Your team sends the application — everything after that is handled for you.

FAQ

Common questions from agricultural equipment dealers

Have a question we didn’t cover? Email us at support@bncpay.com — we typically respond within one business day. You can also see how BNCPay works or browse all industries we support.

Yes. BNCPay is built for commercial equipment dealers, including agricultural and farm equipment sellers. Once approved as a vendor, you can offer B2B financing on tractors, harvesters, implements, and other commercial farm machinery priced at $5,000 or above.

Most commercial agricultural equipment qualifies — including tractors, combines and harvesters, planters and seeders, tillage equipment, hay and forage equipment, sprayers, irrigation systems, grain handling equipment, and implements and attachments. Both new and quality used machines are eligible. Equipment is typically priced at $5,000 or above.

Yes. Agricultural revenue is seasonal, and BNC Finance can structure terms from 24 to 84 months to help align payments with the operating year. This lets growers acquire equipment when they need it for the season rather than waiting until after harvest.

Yes. BNCPay adds a financing calculator card directly inside your HubSpot deal records. It reads the deal amount automatically, calculates monthly payments, and lets your rep send a financing application link from inside the deal. It works with any HubSpot plan, including the free CRM.

BNCPay is a technology platform, not a lender. Financing is provided by BNC Finance, a commercial equipment financing company. Your customers apply through BNC Finance, which handles all credit decisions and funding. You are never the lender.

Yes. BNCPay is free to install and use for approved equipment vendors. There are no setup fees, subscription costs, or commissions charged to dealers. BNCPay earns revenue through the financing transactions.

BNC Finance typically provides credit decisions within 1–3 business days for standard commercial applications. Larger transactions or applications requiring additional documentation may take longer.

Yes. BNCPay provides an embeddable financing widget that works on any website — Shopify, WooCommerce, BigCommerce, Webflow, or a custom-built site. Add a single script tag to any equipment listing or quote page and buyers can see monthly payment estimates without leaving your site.

More industries