Leasing
At Capital Farm Credit, we understand that running a successful farm, ranch or agribusiness requires access to the right facilities and resources, without the burden of large up-front costs. That’s why we offer flexible leasing options for almost anything your operation may need, from irrigation systems to grain storage, livestock equipment and even vehicles or barns. Through Farm Credit Leasing, there are more than 15,000 different types of equipment, vehicles and facilities that can be leased. Leasing provides a cost-effective way to upgrade, expand or replace essential assets while preserving cash flow and keeping your business running smoothly. Whatever your operation demands, we’re here to help you find a leasing solution that works for you.
Use Leasing For
Just about anything you need for your operation, including:
- Farm storage buildings and grain bins
- Livestock barns and facilities
- Farm machinery and vehicles
- Irrigation equipment
- Feed mills, fertilizer blending and handling equipment
- Packaging equipment and processing lines
Leasing Cannot Be used for:
- Non-agricultural assets
- Non-tangible assets: software, intellectual property
- Unapproved modifications: custom modifications or nonstandard enhancements to machinery or property
- Aircraft
- Livestock
- Seed
- Crop inputs
Benefits of Leasing
Texas’ Trusted Experts
With deep roots in the ag industry and a thorough understanding of the unique needs of farms, ranches and agribusinesses, we offer flexible, customized leasing solutions that help producers access the equipment, facilities and infrastructure they need.
Tax Advantages
Leasing offers potential tax advantages because lease payments may be deductible as operating expenses. Unlike loans, where only the interest portion is typically deductible, the full amount of each lease payment can often be expensed.
Improved Cash Flow
With leasing, you can acquire the machinery or infrastructure you need without tying up large amounts of capital. Lower payments compared to traditional financing allow you to free up cash flow for other essential business expenses, such as feed, seed, labor and operational costs. This financial flexibility enables Texas farms, ranches and agribusinesses to remain agile and competitive in an ever-changing market.
Ownership Transition
Leasing is an excellent option for farm succession planning or transitioning an operation to the next generation. Instead of taking on the full burden of purchasing expensive assets, new or younger producers can gradually acquire equipment and facilities without the up-front costs, allowing for a smoother financial transition as ownership shifts.
Customization of Leasing Terms
Every farm and ranch has unique needs, which is why Capital Farm Credit offers tailored leasing solutions. Whether you need short-term, long-term, seasonal or step-up leasing structures, we work with you to find a payment plan that aligns with your cash flow cycles, operational demands and future expansion plans. Additionally, leasing allows for customization and upgrades, whether it’s modifying leased machinery to fit specific requirements or trading up to newer models as technology advances.
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 NowFrequently Asked Questions
Capital Farm Credit offers leasing options for a wide range of agricultural needs, including farm storage buildings and grain bins, livestock barns and facilities, farm machinery and vehicles, irrigation equipment, feed mills, fertilizer blending and handling equipment. If your operation requires it, we can help you lease it.
Leasing allows you to use the latest machinery without the high up-front cost of purchasing. It also provides potential tax benefits, flexible payment terms and improved cash flow, making it a great option for operations looking to upgrade or expand without tying up capital. In many cases, lease structures can be very similar to loan structures.
Lease payments may be tax-deductible as an operating expense, depending on your financial situation. This can help lower taxable income and provide a more efficient way to manage your operation’s expenses. Consult with your tax advisor to determine the specific benefits for your business.
Absolutely. We offer flexible leasing options tailored to your cash flow and business cycles. Whether you need a short-term lease, seasonal payment plans or step-up structures, we work with you to create a plan that aligns with your financial needs.
At the end of your lease term, you may have several options, including:
- Purchasing the machinery, vehicle or structures at a predetermined price
- Upgrading to newer machinery or vehicles with a new lease
- Returning the machinery or vehicle and closing out the lease
Yes! Leasing can be a valuable tool for succession planning, allowing the next generation to gradually take over operational expenses without large up-front investments.
Yes, depending on availability, both new and pre-owned machinery, equipment and vehicles may be eligible for leasing, giving you more flexibility in choosing the right assets for your operation.
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