What ag equipment can be financed?

Tractors, harvesters and combines, sprayers, tillage, irrigation systems (drip, pivot, micro), dairy parlors, refrigeration and cold storage, almond shakers and harvesters, vineyard equipment, hay equipment, and grain handling. New and used both qualify; specialty equipment for almonds, citrus, grapes and dairy is routine.

Do you offer seasonal payment plans?

Yes. Ag financing at Northwood supports skip-pay structures, annual single-payment plans tied to harvest, and 60/40 seasonal step structures for growers whose revenue concentrates in 3–4 months of the year. Payment structure is set during underwriting based on your crop cycle.

Can ITIN borrowers get ag equipment financing?

Yes. Northwood finances ag equipment for ITIN borrowers throughout California's Central Valley, Imperial Valley, Coachella Valley and Salinas Valley. ITIN programs typically require 20–25% down, business bank statements and verifiable revenue. We've worked with hundreds of ITIN farmers and ranchers across the state.

June 25, 20264 min read

Agricultural Equipment Financing for California Growers

Name: Northwood Capital Group
Address: 18226 W McDurmott, Ste B, Irvine, CA, 92614, US
Telephone: (714) 679-8886
Price range: $$

California feeds the country, and California ag runs on equipment. Tractors, harvesters, irrigation systems, dairy parlors, cold storage — every operation has six-figure capital needs and a cash flow cycle that doesn't look anything like the businesses traditional banks are built for. Agricultural equipment financing done right respects that.

What we finance

Tractors, harvesters, combines, sprayers and tillage
Drip, pivot and micro irrigation systems
Almond shakers, sweepers and harvesters
Vineyard equipment — pruning, tying, harvesting
Dairy parlors, milk tanks and cold storage
Hay equipment, grain handling and on-farm refrigeration

Seasonal payments built around the harvest

A grower whose revenue lands in a 90-day window shouldn't be paying a flat monthly note in January. Northwood's ag programs support skip-pay months, annual single-payment structures, and 60/40 seasonal step plans. Payment structure is part of the underwriting conversation, not a one-size-fits-all output.

ITIN programs for California farmers

A large share of California's ag economy is operated by ITIN borrowers, and most national equipment finance programs aren't built for them. Northwood's ITIN program is straightforward: 20–25% down, valid ITIN, 6+ months of business bank statements and verifiable revenue. We finance everywhere from the Central Valley to the Imperial Valley.

What underwriters look at

Crop type and acreage under management
Existing equipment and the role of the new asset
3–6 months of business bank statements
Down payment and trade-in equity
Time in operation — even a single full season helps

Get prequalified

Most ag deals at Northwood are decisioned within 48 hours and funded inside a week of signed documents. See full program details on our agricultural equipment financing page, or call (714) 679-8886 to talk to an ag specialist who knows the difference between an almond shaker and a citrus harvester.

Frequently asked questions

What ag equipment can be financed?: Tractors, harvesters and combines, sprayers, tillage, irrigation systems (drip, pivot, micro), dairy parlors, refrigeration and cold storage, almond shakers and harvesters, vineyard equipment, hay equipment, and grain handling. New and used both qualify; specialty equipment for almonds, citrus, grapes and dairy is routine.
Do you offer seasonal payment plans?: Yes. Ag financing at Northwood supports skip-pay structures, annual single-payment plans tied to harvest, and 60/40 seasonal step structures for growers whose revenue concentrates in 3–4 months of the year. Payment structure is set during underwriting based on your crop cycle.
Can ITIN borrowers get ag equipment financing?: Yes. Northwood finances ag equipment for ITIN borrowers throughout California's Central Valley, Imperial Valley, Coachella Valley and Salinas Valley. ITIN programs typically require 20–25% down, business bank statements and verifiable revenue. We've worked with hundreds of ITIN farmers and ranchers across the state.

Keep reading

Ready to talk to a funding specialist?

Most files are decisioned in 24–48 hours. Call (714) 679-8886 or apply online.

✓ $25K–$5M available
✓ Funded in 2–5 business days
✓ All credit profiles considered
✓ No upfront fees, no prepayment penalties

Call (714) 679-8886

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