Equipment Financing & Leasing in North America
Combine Harvester Financing and Leasing
Quick Answer
Combine harvester financing can be reviewed for the machine and an identified header package, subject to lender requirements. Mehmi Financial Group is an equipment finance and leasing brokerage. Supply engine and separator hours, condition records and the harvest plan so financing is considered alongside repairs, delivery and working cash.
Mehmi reviews requests from businesses in Canada and eligible U.S. markets, subject to lender and jurisdiction availability. Send your equipment quote or call 833-863-4644.
Start with the crop and the complete harvest system
A combine purchase should reflect crops, acreage, field conditions and the available harvest window. Specify the intended header and how grain will move from the combine to transport and storage. Extra machine capacity is useful only when the supporting equipment and operators can keep the work moving.
Identify the combine, each header and any header trailer separately by model, serial number and price. Have the supplier verify feeder, drive, control and crop-configuration compatibility. John Deere's harvest reference library treats front-end adjustment and combine setup as distinct tasks, reinforcing the need to budget a working combination.
Read engine hours and separator hours together
For a used combine, obtain both readings where recorded and clarify replaced meters or displays. Ask for inspection findings on the feeder, threshing and separation components, cleaning system, elevators, augers and residue-handling equipment. A low purchase price can be offset by wear parts that must be replaced before harvest.
Request maintenance invoices and an estimate for every identified repair. Inspect the header's own cutterbar, belts or gathering components as appropriate to its type. A John Deere S790 purchase also needs its particular equipment and technology configuration documented.
Dealer, private sale and auction timing
A dealer quotation should specify pre-delivery work, written coverage and the handover date. For a private sale, establish ownership of the combine and header, any existing finance and who will load or move them. Auction buyers need the premium, payment deadline and collection rules before asking whether financing can meet the timetable.
Plan delivery early enough for inspection, repairs, setup and operator familiarization. Ask which service provider will support the machine during harvest. A finance approval does not certify machine condition or guarantee that parts will arrive in time.
Build a budget before the crop receipts arrive
Illustrative harvest package: a hypothetical CAD $240,000 combine, CAD $55,000 header and CAD $15,000 of delivery and pre-harvest work total CAD $310,000 before tax and fees. A sample CAD $65,000 contribution leaves CAD $245,000 to review if every cost is eligible. These figures are not market values or a required down payment.
Keep fuel, labour, insurance and emergency repair cash separate. Model when the crop will be sold, not simply when it is harvested. If you also do custom harvesting, include the collection timing of those invoices. Ask about available payment schedules and compare them with the proposed contract; seasonal arrangements require lender agreement.
Prepare the asset and farm documents
- Combine and header identification, seller quotes, hour readings and photographs.
- Inspection findings, service records, repair estimates and included technology.
- Crops, acreage, expected use, delivery date and grain-handling plan.
- Available contribution, existing debt commitments and requested business financial information.
An equipment lease and an equipment loan should be compared on total payments, fees and end obligations. Send your combine and header quotes or call 833-863-4644. Mehmi is a brokerage; funding depends on credit, the equipment, seller, documentation and jurisdiction.
Combine Harvester equipment financing market context
Quick answer: Combine Harvester financing is generally reviewed using the purchase price, year, hours and condition, seller, expected useful life, seasonal cash flow, credit profile and requested term. New and used farm equipment may be considered, but final structure depends on the asset, transaction, lender and jurisdiction.
In ELFA’s 2025 Survey of Equipment Finance Activity, agricultural equipment represented 17.9% of 2024 annual new business volume by equipment type among respondents, the largest individual equipment category reported in the detailed table. See the ELFA Survey of Equipment Finance Activity for the underlying U.S. industry data.
ELFA’s July 2026 CapEx Finance Index reported $14.3 billion in seasonally adjusted new business volume among surveyed member companies, with year-to-date volume 16.8% above the same period in 2025. In Canada, Statistics Canada reported 2026 machinery and equipment capital-spending intentions of about C$127.2 billion. Review the July 2026 CapEx Finance Index and Statistics Canada’s 2026 capital expenditure release.
What can affect a Combine Harvester financing decision?
- Asset details: exact model, serial number, year, hours, condition, attachments, service history and expected useful life.
- Transaction quality: dealer or seller verification, itemized invoice, trade-in or deposit, delivery timing and equipment location.
- Business profile: farm or contracting history, revenue and cash flow, existing obligations, credit profile, seasonality and the equipment’s intended use.
For related research, compare Case IH Axial-flow 150 Combine financing and Case IH Axial-flow 250 Combine financing. You can also review how an equipment loan is structured before requesting a written proposal.
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Combine Harvester Financing Questions
Can a combine and header from different sellers be financed?
Submit both quotes with separate identities, prices and delivery terms. Obtain compatibility confirmation and explain the proposed handover sequence. A lender may require separate arrangements or different payment conditions for each seller.
Which hour reading should I send?
Provide engine and separator hours where the machine records both. Include service history and disclose any replacement meter. Neither reading alone explains wear across the combine and header.
Can repairs be included before harvest?
Submit written estimates and identify who will perform the work. The lender decides which repair or preparation costs can be accepted and whether completion is required before funding. Keep a reserve for work outside the approved scope.
Can payments begin after I sell the crop?
You can ask whether an available structure fits that timing. Show expected sale dates, input bills and existing commitments. Do not assume a harvest-season purchase includes deferred or annual payments without a written agreement.
Is a forage harvester covered by this combine page?
A forage harvester performs a different harvesting process and needs its own equipment description and budget. Send the actual make, model and header details so the financing review is based on the correct asset.
How should a second combine be compared with custom harvesting?
Use the acres and working periods the farm realistically needs, then include operators, headers, grain hauling, fuel, repairs, storage and financing. Compare that total with actual custom-harvesting quotations and availability. FCC explains why low utilization can raise machinery cost per unit of work. Additional harvesting capacity is not equivalent to additional crop revenue when acreage and output are unchanged. Test the purchase with less work than the peak-season forecast.
What should hour limits mean in a combine lease?
Ask the proposed lender to define the usage measure, reporting requirements, permitted hours and any excess-use charges in writing. Clarify whether engine hours, separator hours or another measure is used, rather than assuming the advertised allowance refers to the reading most favourable to the farm. Record the starting figures and explain any meter replacement. Compare the actual allowance with the intended seasons of work and the lease’s return or purchase obligations.
How should harvest-season service support be included in the purchase decision?
Obtain the selling dealer’s written preparation scope, warranty terms, support arrangements and exclusions for the actual combine and header. Ask how parts, travel charges and temporary equipment would be handled if a breakdown interrupts work. A financing contract does not automatically supply a replacement combine or reimburse crop-related losses. Keep an operating contingency and disclose unresolved repairs. Submit the combine package and support terms to Mehmi for review in Canada or an eligible U.S. market.
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