Agricultural Leasing | Agri-Access

Why agricultural leasing

Agricultural leasing gives lenders another way to finance specialized agricultural assets while maintaining disciplined portfolio management.

Leasing structures may help partners:

Support long-lived agricultural infrastructure
Align payments with agricultural cash flow cycles
Expand financing options for borrowers
Preserve balance sheet capacity
Deliver consistent financing solutions across large agricultural investments

When leasing makes strategic sense

Leasing may be appropriate when:

• A borrower wants to preserve an existing low-rate mortgage while adding infrastructure
• Grain bins, dryers or buildings require financing without refinancing the land
• Payment structures must align closely with seasonal income
• Infrastructure improvements need to run alongside existing financing

Eligible agricultural assets

Leasing programs may support a wide range of agricultural assets including:

Agribusiness structures and facilities
Livestock production facilities
Grain handling and storage infrastructure
Agricultural processing equipment
Transportation and fleet assets used in agriculture

Leasing structures are designed to align with the long-term use of agricultural infrastructure. Eligibility may vary based on asset type, partner structure, and transaction size.

Connect with your Relationship Manager

How leasing supports ag lending strategies

Agricultural leasing allows lenders to support large agricultural investments while maintaining borrower relationships and balance sheet discipline.

Leasing solutions may help partners:

Expand available financing solutions

Support specialized agricultural infrastructure

Generate fee income opportunities

Maintain portfolio discipline

Deliver consistent borrower experiences across larger agricultural projects

Fixture Leasing

Fixture leasing allows lenders to finance infrastructure improvements without modifying existing real estate financing. This can be particularly valuable when borrowers want to preserve historically low mortgage rates while investing in facility upgrades. Fixture leasing supports assets that become permanently affixed to real estate but are not structured as land-based real estate transactions.

What are examples of fixture leasing?

Grain handling and storage systems
Irrigation infrastructure
Processing or handling systems
Permanently installed agricultural equipment
Building components such as structural systems, electrical infrastructure, HVAC systems and interior build-outs

Facility Leasing

Facility leasing enables lenders to support major infrastructure investments while maintaining structuring flexibility and portfolio discipline.

What are examples of facility leasing?

Livestock facilities for swine, dairy, poultry and beef operations
Machine sheds and agricultural shops
Grain and commodity storage structures
Agribusiness production or processing buildings
Wind structures
On-farm solar installations supporting ag operations

Equipment Leasing

Equipment leasing provides an additional structuring option that aligns financing terms with asset life, helping lenders support equipment investment while maintaining portfolio balance.

What are examples of equipment leasing?

Processing and handling systems
Harvesting and production equipment
Commodity handling systems
Specialized agricultural machinery

Rolling Stock Leasing

Rolling stock leasing allows lenders to support fleet and transportation investments while aligning financing terms with asset life and operational needs.

What are some examples of rolling stock leasing?

• Light-, medium- and heavy-duty trucks
• Semi-tractors
• Grain trailers and commodity transport equipment
• Milk tankers and agricultural transport vehicles

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Leasing structures vary based on partner type, asset eligibility and transaction characteristics. Connect with your Relationship Manager to explore the appropriate leasing solution for your retailer.