Beautiful Farm Scene

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:

Ag Production Equipment

  • Tractors & Harvesters
  • Implements
  • Fertilizer & Chemical Applicators
  • Livestock Equipment
  • Irrigation

Grain, Feed, Fertilizer and Seed Storage & Handling

  • Grain Storage & Handling
  • Feed Mills
  • Fertilizer Blending & Handling
  • Seed Bins & Handling

Buildings, Bins & Storage

  • On Farm Buildings
  • Commodity Storage
  • Greenhouses
  • Controlled Atmosphere

Material Handling & Construction

  • Forklifts
  • Racking & Storage
  • Telehandlers
  • Skid Steer Loaders
  • Trenchers

Packaging & Processing

  • Processing Lines
  • Packaging Equipment
  • Canning & Bottling


  • Autos, SUVs & Light Duty Trucks
  • Medium & Heavy Duty Trucks
  • OTR Tractors
  • Trailers
  • Bucket Trucks

Contact Southern AgCredit

Learn how leasing can grow your business.  Talk with your local Southern AgCredit loan officer today.