Flexible Agricultural Equipment Financing Solutions in Texas and Beyond

Gain access to modern farm machinery through flexible agricultural equipment financing solutions with 3 Rivers Leasing, a subsidiary of Graco Commercial Capital. By doing so, farmers can enhance cost management, improve cash flow maintenance, preserve credit lines, and ensure operational sustainability.

Is Farm Equipment Leasing Right for You?

Leasing is one of the best agricultural equipment financing options when you want machinery upgrades that can enhance your operation and profitability without high upfront costs. Leases provide flexibility through optionality and cost savings, as they allow you to return the equipment, renew it, or potentially purchase it at the end of the lease term.

What Kinds of Farm Infrastructure & Equipment Can Be Leased?

Farm infrastructure and equipment leases give farmers an alternative option to having to outright buy the tools they need to enhance their operation. Farm equipment leasing provides flexibility through optionality and cost savings as it allows you to return the equipment, renew it, or potentially purchase it at the end of the lease term.

Some of the Eligible Farm Machinery That Are Commonly Leased

  • Alternative Energy Assets
  • Chemical Applicators
  • Combines
  • Commodity Storage
  • Dairy Automation
  • Dairy Parlors
  • Drain Tile
  • Harvesters
  • Irrigation Equipment
  • Livestock Facilities
  • Logging Equipment
  • Processing Infrastructure
  • Property Vehicles
  • Tractors
  • Wine Tanks & Barrels

Agricultural Equipment Financing vs Buying

When deciding between buying or leasing farm equipment, it is helpful to compare the pros and cons of each option.

The Pros and Cons of Agricultural Equipment Financing

Pros

  • Optionality
  • Tax Benefits
  • Depreciation Tolerance
  • Balance Sheet Management
  • Reduced Capital Requirements
  • Expedites Growth

Cons

  • Long-Term Costs
  • No Ownership
  • Restrictions and Penalties
  • Dependency on Lessor

The Pros and Cons of Farm Equipment Buying

Cons

  • Ownership
  • Equipment Customization
  • Potential Resale Value
  • No Restrictions

Pros

  • High Upfront Costs
  • Outdated Technology
  • Maintenance and Repairs
  • Financing Challenges
  • Risk of Depreciation

Agricultural Equipment Financing for Bad Credit

Since 1992, we have assisted farmers in financial distress by providing agricultural equipment financing for bad credit. This option uses the equipment as collateral, lowering lender risks and increasing the likelihood of approval.

The Benefits of Our Agricultural Equipment Financing Program

  • Upgrade Your Equipment
  • Explore New Avenues of Growth
  • Enhance Your Operational Efficiency without the Constraints of Long-Term Ownership
  • No Down Payment Required to Close*
  • Flexible Lease Term Lengths
  • Payments to Fit Your Budget
*Subject to eligibility

Contact Us for More Information

To learn more about our agricultural equipment financing solutions, even for businesses with bad credit, feel free to reach out to us today. We would be more than happy to answer your questions.