Equipment Loans & Leasing
Equipping your farm or ranch with the tools you need has never been more convenient. Capital Farm Credit partners with AgDirect, a leading provider of equipment financing, to offer tailored solutions designed specifically for Texas agricultural producers.
How It Works
Select Your Equipment
Work with a dealership, an auction or a private seller to purchase or lease new or used equipment.
Apply for Financing
Your local dealership or auction can submit your application online through AgDirect.
Or work directly with Capital Farm Credit if you are purchasing from a private seller.
Get Approved
Enjoy fast approvals, usually within minutes, and competitive rates tailored to help your operation succeed.
Why Choose Capital Farm Credit for Equipment Financing?
Expert Agricultural Support
AgDirect is backed by Farm Credit’s deep knowledge of the Texas agriculture industry.
Our team understands the everyday challenges and opportunities faced by agricultural producers.
Flexible Financing Options
You can purchase, lease or refinance both new and used equipment.
We offer loan structures that are customized to fit your operation’s unique needs.
Financing terms range from 2-7 years.
There are no prepayment penalties.
We support private party transactions, including purchases from dealerships and auctions.
Competitive Rates
You can access fixed, adjustable and seasonal payment plans.
Our rates are affordable and designed exclusively for agricultural producers.
We offer the ability to adjust your rate as the market changes.
Streamlined Application Process
You can apply online, from a dealership or auction, or directly with Capital Farm Credit.
Our simplified process is designed to get you financed quickly and efficiently.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply NowPros and Cons of Leasing vs. Purchasing Equipment
Leasing
Pros
Leasing requires lower up-front costs, preserving cash flow.
Through leasing, you’ll gain access to the latest equipment with the option to upgrade at the end of the lease term.
Leasing can offer significant tax benefits by allowing businesses to deduct lease payments as an operating expense, reducing taxable income.
Owned equipment is usually depreciated over time. Leasing provides immediate tax deductions, which can be especially beneficial during high revenue years.
Leasing provides flexibility for short-term or seasonal needs.
Leasing
Cons
There is no ownership of the equipment at the end of the lease unless a buyout option is included.
Leasing may lead to potential higher long-term costs compared to purchasing.
There are usage restrictions or penalties for excessive wear and tear.
Purchasing
Pros
Purchasing provides full ownership, offering long-term value and potential for resale.
Ownership allows for the freedom to use and modify the equipment as needed.
Financing options are often available to spread out payments.
Over time, asset depreciation may provide tax benefits.
Purchasing
Cons
Purchasing requires higher up-front costs that can impact cash flow.
Owners have the responsibility for maintenance and repair costs over time.
Over time, equipment may become outdated, requiring future upgrades.
With Capital Farm Credit and our partners at AgDirect, you get more than financing — you gain a trusted partner dedicated to powering your success. Contact us today to explore the best equipment financing options for your operation.
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We’ve Got You Covered
We do more than provide financing — we safeguard your farm, ranch and agribusiness with insurance products to protect your investments and preserve your legacy for generations to come.
