Commercial Funding Partners is a direct agriculture equipment finance company funding projects from $250,000 to $100M+ per project — tractors and harvesters, irrigation systems, grain handling and storage, greenhouses, and processing lines. We fund these transactions directly, structured around seasonal cash flow and the long-lived nature of farm and ag-processing equipment. New or used, a single fleet through a full operation, nationwide.
Agriculture equipment we finance
Ag equipment works hard for years against a season you can plan around, which makes it well suited to financing rather than tying up cash. We structure leases and loans across the operation:
- Tractors, combines, harvesters, sprayers, and self-propelled machinery
- Irrigation systems, pivots, pumps, and water-management equipment
- Grain handling, drying, storage, silos, and bins
- Greenhouse systems, controlled-environment ag, and indoor growing equipment
- Tillage, planting, and harvesting implements
- Livestock, dairy, and feed-handling equipment
- Ag processing, packing, sorting, and cold-storage lines
- Fleet, trailers, and material handling that keep product moving
New, used, or a mixed fleet — including freight, installation, and the soft costs that come with a real equipment package.
Financing structures for agriculture
Farm income is seasonal, so the structure has to bend to the harvest. We match the deal to how the operation actually earns:
- Equipment financing for new and used acquisitions you intend to keep
- Capital and tax leases matched to your accounting and tax position
- Balloon and seasonal-payment structures that align payments with crop or harvest cycles — the approach behind our $15M balloon lease for a Virginia-based agriculture company
- Operating leases and rental-fleet structures for equipment that turns over or scales with acreage
- Sale-leasebacks that pull working capital out of equipment you already own ahead of a planting or expansion season
Big ag projects fund in phases too. We can stage funding to delivery and installation — the model behind our $20M greenhouse-system financing across Nevada and California, where the equipment rolled out site by site.
Why a direct lender matters in agriculture
Ag financing lives and dies by timing. Equipment has to be in the field before the season, not after a broker finishes shopping your file around a network. CFP reviews each operation once, in-house — collateral, seasonal cash flow, and the equipment package — and funds it directly. That is what makes seasonal and balloon structures workable: a lender that understands the cycle, not a middleman passing paper along. Our funded record includes agriculture deals approved on real operating histories, such as an approved agriculture equipment lease and a $4M agriculture rental-fleet approval.
Deal size and timing
Our lane is $250,000 to $100M+ per project — the range that covers a fleet refresh, a major irrigation build, a greenhouse system, or a processing line. Small-ticket lenders stop short of a real ag equipment package, and bank ag-lending can be slow when a delivery window is closing. CFP underwrites the whole transaction in-house and funds it directly.
In agriculture, the calendar is the constraint. Equipment has to be working before the season, and a structured deal can be staged to delivery so it is ready when the field is. Speed depends on the structure and documentation — when the equipment, financials, and seasonal cash-flow picture are clear, an ag transaction can close fast.
Recently funded agriculture transactions
We publish what we fund. These documented agriculture transactions show the structures above in practice:
- $15M balloon lease for a Virginia-based agriculture company
- $20M greenhouse-system financing across Nevada and California
- $4M agriculture rental-fleet approval
- An additional $861K schedule added to an existing agriculture relationship
- Specialized agriculture equipment financing structured to improve monthly operating costs
Browse the full funded-transactions index for the complete record of how CFP structures agriculture deals.
Who we serve
We finance established growers and producers, row-crop and specialty farms, dairy and livestock operations, greenhouse and controlled-environment growers, ag-processing and packing companies, and the equipment dealers who supply them through vendor financing programs. Our lane is operations with real history and equipment needs that scale with acreage, season, or expansion — see our broader agriculture industry practice.
What to have ready
An ag transaction moves faster when the operation is documented. The pieces that matter are the equipment list and dealer quotes, a picture of the operation’s seasonal cash flow, recent financials or tax returns for the business, and any existing equipment that could anchor a sale-leaseback. If the deal needs to be staged across delivery and installation — common with irrigation, greenhouses, and processing lines — a rollout schedule lets us match funding to each phase. The clearer the seasonal earning pattern, the easier it is to build a payment structure that fits it. Bring the operation; we will fit the financing to the season.
Agriculture equipment financing FAQs
Can payments be matched to seasonal or harvest cash flow?
Yes. Seasonal, skip, and balloon payment structures align payments with crop and harvest cycles, so the schedule fits when the operation actually earns rather than forcing flat monthly payments year-round.
Do you finance used farm equipment?
Yes. Used and reconditioned tractors, harvesters, and implements underwrite well when the operator’s history supports them. CFP finances new, used, and mixed fleets from $250,000 to $100M+ per project.
Can you fund a large project in stages?
Yes. For irrigation build-outs, greenhouse systems, and multi-site operations, we stage funding to delivery and installation so capital follows the rollout instead of landing all at once.
Are you a broker or a direct lender?
A direct lender. CFP structures and funds agriculture transactions itself, backed by institutional funding relationships — no broker hand-off and no third party at closing.
Ag buyers time purchases to the tax year for a reason — estimate the Section 179 side before the season starts.
Getting equipment ready before the season? Call (801) 545-4000 or request a quote — and browse the complete funded-transactions index to see how CFP structures agriculture deals in practice.