Agricultural Equipment Financing
Financing built around your harvest cycle — for California's growers, ranchers and dairy operators, and ag businesses across the country.
- ✓Seasonal & skip-payment plans
- ✓Tractors, harvesters, irrigation
- ✓ITIN-accepted program
- ✓Used equipment to 20+ years
From the Central Valley to the Mississippi Delta
Northwood was founded in California's agricultural heart, and farm equipment financing is one of our deepest verticals. We understand crop cycles, water years, milk-check timing and how to structure payments that match real cash flow — not a desk-bound underwriter's spreadsheet.
What we finance
- Tractors, combines, harvesters and headers
- Planters, sprayers, tillage and hay equipment
- Irrigation pumps, pivots and drip systems
- Dairy parlors, refrigeration and feed equipment
- Nut and orchard processing equipment
Flexible structures
- Seasonal, annual and skip-payment schedules
- One-payment-per-year (annual) payback structures available
- 24–84 month terms
- ITIN-accepted program
- Used equipment to 20+ model years
Frequently asked questions
- What ag equipment do you finance?
- Tractors, combines, harvesters, planters, sprayers, irrigation pumps and pivots, hay equipment, dairy parlors, refrigeration, almond and nut processing equipment, and trailers.
- Do you offer seasonal payment structures?
- Yes. We structure annual, semi-annual and skip-payment schedules aligned to your harvest or crop cycle — particularly for tree nuts, wine grapes, row crops and dairy.
- Will you finance equipment for ITIN borrowers?
- Yes. Many of California's growers and ranchers operate with ITIN identification. Northwood approves ITIN ag financing with proof of farm income and at least six months of operating history.
- Can I finance used ag equipment?
- Absolutely. Used John Deere, Case IH, New Holland, Kubota and Massey Ferguson equipment is financed daily, including private-party and auction purchases.
Finance the season. Pay with the harvest.
Speak with a Northwood funding specialist today. Most decisions in 24–48 hours.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties
Get My Equipment Options
Takes 60 seconds. Soft pull only.
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