High Plains Farm Credit’s ag leasing program preserves capital for your farm or ranch, provides cash flow flexibility, and allows access to the latest technology. Ag leasing plans can be used for thousands of farm essentials including equipment, trucks, buildings, sheds, shops, and more.

Ag Leasing for Everything Your Farm Needs

Predictable cash flow, more flexibility, better access to resources. In the modern ag economy, leasing could make sense for your operation. And with more than 15,000 options available through Farm Credit Leasing, there’s a solution to fit just what your farm or ranch needs to grow and succeed.

From equipment and trucks to buildings, sheds, and shops, dig into the Farm Credit Leasing program with customized plans to meet your goals and get you ready for a busy future.

Grain bins are often essential facilities on a farm. They're also one of the options available to lease through the Farm Credit Leasing program.

How Can Agricultural Leasing Benefit Your Farm or Ranch?

Working with Farm Credit Leasing means you can expect cash flow predictability, end-of-lease flexibility, and access to reliable, low-maintenance equipment.

If planning for the future matters to your farm or ranch, the option to lease your assets can help make that process easier, while also unlocking additional benefits.

Preserve Capital

Save your capital while accessing the latest, low-maintenance equipment. Only your first lease payment is due at closing, no minimum downpayment required.

When choosing to lease a building, you’ll also preserve time without the need for extra paperwork and processing fees. In fact, there’s no need for a mortgage for any leased facility under $500,000.

Maximize Tax Benefits

Our team can help structure your ag lease so payments can be fully tax deductible. Alternatively, you can choose to depreciate the asset over time.

Control Cash Flow

Determine a financing term up to 10 years (for a facility). We’ll help you customize a schedule that works with your cash flow and the life of the asset.

Plan for the Future

Leasing equipment provides a consistent plan and replacement cycle that keeps your operation running smoothly. When your lease ends, you can purchase or return equipment, or even choose to renew the lease.

Transition Ownership

If you’re considering the transition of your farm or ranch to the next generation, agricultural leasing can help manage taxes and designate assets at the end of the term.

Ag Loans Versus Ag Leasing: Choosing the Right Option

Leasing farm equipment, vehicles, and facilities offers flexibility and customization to budget and timeline that traditional ag loans often lack.

Compare the benefits of ag loans and leasing side-by-side to determine which option might be best for your farm or ranch.

Ag Loans

Ag Leasing
Select between variable and fixed rates. X
Deductions are available through ownership. X X
Choose between short-term and long-term financing. X X
Obtain new equipment and vehicles, custom ordered to spec. X X
Deduct lease payments for tax purposes as operating expenses. X
Acquire assets with less down at closing compared to a loan. X
Control cash flow with fixed rates and flexible payment schedules. X
Choose to purchase, trade, renew, or return. X

Frequently Asked Questions About Farm Credit Leasing

Find out if ag leasing fits your operation’s goals by exploring some frequently asked questions. Contact our team for more details!

The Farm Credit Leasing program offers plans for more than 15,000 types of equipment, vehicles, and facilities. Examples of leasable farm assets include:

  • Equipment such as tractors, combines, sprayers, and trailers.
  • Vehicles such as trucks and UTVs.
  • Buildings such as grain facilities, sheds, and shops.

Not always. The Farm Credit Leasing program offers appealing options that allow you to either own or return the asset at the end of the term.

A true lease can allow you to expense payment to maximize tax benefits. However, a conditional sale lease allows customers to depreciate the asset if they plan to take ownership of it at the end of the lease.

Yes! Our team works with you, one-on-one, to set desirable terms and to create a payment schedule that matches your cash flow.

High Plains Farm Credit can provide construction funding for leased assets. If this interim funding is not needed, we’ll write the lease once construction is complete.

Absolutely! Leasing a facility expands options to lease smaller equipment, machinery, shelving, office furniture, and more under a single agreement.

Truck and trailers used to haul cattle are available to lease via the Farm Credit Leasing program.

Right Capital, Right Cash Flow, Right Tools

Equip your farm or ranch for the future while staying financially flexible. With Farm Credit Leasing and our team of ag lending experts to help you set the right schedule, your farm or ranch can be ready to run for generations to come.

CoBank, ACB, Farm Credit Leasing Services Corporation, High Plains Farm Credit and their respective affiliates (collectively, “Farm Credit”) do not provide tax, legal or accounting advice. These materials have been prepared for informational purposes only, and are not intended to provide, and should not be relied on for, tax, legal or accounting advice. Farm Credit makes no representations or warranties regarding the accuracy of the information contained in these materials and is under no obligation to notify you of any subsequent corrections or other changes to these materials or to the laws, regulations or other information that may be contained therein. You should consult your own tax, legal and accounting advisors before engaging in any transaction.