Agriculture Equipment Financing in Aurora, CO
Agriculture equipment financing in Aurora and the eastern Colorado plains funds the tractors, combines, sprayers, planters and irrigation systems that keep working farms and ag-service operators productive. We work with row-crop, hay, cattle and specialty producers across the Front Range and Eastern Plains.
Ag equipment is a specialty lending market — banks and specialty ag lenders finance it, often with seasonal payment structures that align debt service with crop revenue. Terms stretch to 7 years on tractors and combines, with Farm Credit and manufacturer captives competing for the best rates.
Marquette works ag files with specialty ag lenders, Farm Credit, and equipment captives to get the right combination of rate, term and payment schedule.
- Tractors and combines
- Sprayers, planters, tillage equipment
- Irrigation pivots and water systems
- Grain handling and storage
- Livestock facilities and handling equipment
- Refinancing high-rate equipment notes
- Farm income (Schedule F) or business tax returns
- Personal credit 640+ typical
- Equipment quote from dealer
- Operating history and crop plan
- Land ownership or lease documentation
From intake to funded in four steps.
“Seasonal payment schedules — where you pay heavier after harvest and lighter through the growing season — are common in ag but not offered by all lenders. If cash flow is uneven, request this structure up front.”
Questions Aurora operators actually ask.
Are seasonal payments available?+
Yes — many ag lenders structure payments to align with crop revenue. Ask for this up front; not every lender offers it.
Farm Credit vs bank vs manufacturer?+
Farm Credit typically has the most flexibility on farmer-specific terms; manufacturer captives (Deere, Case) run promotions with 0% or very low rates; banks are competitive on strong credits.
Can I finance used ag equipment?+
Yes — used tractors, combines, and implements are regularly financed with 10–20% down.
What about irrigation and infrastructure?+
Pivots, wells, and irrigation infrastructure are financeable — often with longer terms because of longer useful life.
First-time farmer with no history?+
USDA FSA programs are the first stop for beginning farmers; we help package files for FSA-guaranteed loans through partner banks.
Talk to Aurora about agriculture equipment financing.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.