Funding for Farms & Agriculture
Equipment financing covers tractors and implements with the machine as collateral, and asset-based lending turns land and equipment into working capital between harvests.
Farming concentrates a year of income into a few weeks and spreads a year of expenses across all fifty-two. Seed, fertilizer, and chemicals are due at planting; fuel and labor run all season; the equipment that makes it possible costs as much as a house and breaks during the exact week you need it most. Then weather and commodity prices decide how the math comes out. Bankers understand none of this on a banker's calendar. Broadway funds on what your operation actually shows — three months of bank statements, one short form, soft credit pull, same-day decision, funding in as little as 24 hours.
The challenge
Twelve months of costs are carried by one or two harvests a year, input bills come due at planting, and the weather gets a vote on your margins that no spreadsheet can overrule.
How Broadway Advance helps
Equipment financing covers tractors and implements with the machine as collateral, and asset-based lending turns land and equipment into working capital between harvests.
What owners use it for
- Buy seed, fertilizer, and inputs at planting
- Purchase or repair tractors, combines, and implements
- Install or upgrade irrigation systems
- Add grain storage to sell on your schedule, not the elevator's
- Cover harvest labor and fuel
- Bridge the months between harvest checks
See your real number in about five minutes.
Apply nowFunding options that fit farms & agriculture
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Farms & Agriculture funding questions
My revenue lands once or twice a year — can underwriting handle that?
Yes, with the right product. Harvest-concentrated income is a known pattern, and the tools fit around it: equipment financing keys on the machine as collateral, asset-based lending keys on land and equipment you own, and term loans can be structured on multi-year schedules that respect a crop calendar. Timing helps too — statements that include a harvest deposit tell the story best. The application is one form with a soft pull, so the answer is free.
Can I borrow against land and equipment I own outright?
Yes — that is the textbook case for asset-based lending. Paid-off land and machinery represent serious equity, and a facility secured against them generally prices well because the collateral is real and durable. It is a way to fund inputs, expansion, or a hard season without selling acres or equipment you spent decades acquiring. More documentation than an advance, but worth it at this scale. We broker across 25+ funders and will structure around what you hold.
Does equipment financing work for used tractors and implements?
Yes. Used is standard in farm equipment, and the financing treats the machine as the collateral whether it comes from a dealer, an auction, or a neighbor's retirement sale. Broadway can finance up to 100% of the cost, keeping your cash for inputs and labor — the spending that cannot be collateralized. Well-maintained farm equipment holds value, which works in your favor on terms. Spec and statements in, same-day decision out.