Farm Credit Leasing

We’re now offering another type of flexible financing to grow your business.

Why Lease?

No Down Payment

Typically, down payments aren’t necessary. Simply pay the first payment in advance. Often, leasing can provide 100% financing.

Maximize Tax Benefits

For tax purposes, true leases can be treated as a business expense and the entire lease payment may be tax deductible. Lease purchase programs provide tax beneﬁts that mirror those for owned equipment, such as depreciation and other eligible deductions.

Control Your Cash Flow

Fixed rates and ﬂexible payment schedules allow matching payments to cash ﬂow and the proﬁts generated by the leased equipment. Lease payments can be tailored to the cash ﬂow of your business. Monthly, quarterly, semi-annual, and annual, as well as seasonal, and step up or step down payments are available.

Preserve Capital

Maintain ﬁnancial ﬂexibility and stability by preserving working capital. Leasing can provide 100% ﬁnancing, including soft costs, with no down payment required, so you can keep more cash on hand. Beneﬁt from ﬁxed rate ﬁnancing and mitigate rising rates in the future. Leasing can also help manage loan covenants and be another source of ﬁnancing.

Estate Planning Tool

Leasing can effectively help transition ownership of an asset to the next generation at the end of the lease term.

Asset Examples

With lease ﬁnancing, you can replace equipment regularly. A planned replacement cycle ensures access to reliable, low-maintenance equipment at all times.

Examples of assets that can be leased: