Seed Tender Financing and Leasing

Choose a tender that matches your seed supply

A seed tender moves seed to the planting equipment; it does not replace the planter or air seeder. The purchase should fit how seed reaches your farm and how the planting equipment is filled. Unverferth's seed tender range, for example, distinguishes bulk tank tenders from bulk box carriers. Other makes and older models require their own configuration check.

Ask the supplier to confirm compartment or box capacity, loading method, discharge reach and compatibility with the receiving hopper. Include the access available around your planter or air drill and seeder. A larger tender is not useful if its discharge cannot reach the equipment it must fill.

What belongs on the purchase schedule?

List the tender body or box frame, conveyor or auger, engine or other power arrangement, scales, remote controls and tarp where fitted. Identify whether the price includes a trailer or requires mounting on another vehicle. Record that trailer's identification and ownership documents separately where applicable, and have the supplier confirm the towing or mounting arrangement.

Ask who provides assembly, calibration and operator familiarization. For a used box carrier, confirm which boxes, restraints and handling accessories are actually included. Keep seed inventory, treatment products and recurring consumables separate from the durable equipment request.

Can you finance a used seed tender?

Used dealer, private-sale and auction tenders can be submitted for consideration. Request a model and serial photograph, condition report and demonstration of the conveyor, gates, scales and remote. Have wear in belts or augers, bearings, drive components and the frame assessed; for engine-powered units, include starting and service evidence.

Inspect trailer running gear and controls where supplied. Ask about previous materials handled, cleanout arrangements and repairs. A private seller should provide ownership evidence and disclose existing finance. Auctions can have short removal periods and missing accessories, so price collection, repair work and replacement controls before agreeing to a purchase.

Plan the cost before the seed delivery arrives

Illustrative seed tender budget: hypothetical equipment at CAD $46,000, a scale and control package at CAD $4,000, and delivery and setup at CAD $2,000 total CAD $52,000 before tax and fees. A sample CAD $9,000 contribution leaves CAD $43,000 for review if all costs qualify. These amounts are not market quotations or required financing terms.

Allow separately for the seed bill, towing equipment, labour and servicing during planting. If considering an equipment lease, compare the total payable and final purchase or return obligation with the tender's expected use. Any proposed seasonal payment dates require lender agreement; a short working season does not itself qualify the request for skipped payments.

Information to have ready

• Tender make, model, year, serial number and bulk-tank or box-carrier configuration.
• Priced equipment list showing scales, controls, power equipment and any trailer.
• Seller details, bill of sale or quotation, ownership records and any existing payout.
• Photographs, inspection results, service records and transport or mounting quote.
• Planting equipment to be served, farm business information, contribution and requested delivery date.

Mehmi reviews the transaction with appropriate banks, credit unions, equipment finance companies or other sources. Approval, payment, rate, term and structure depend on credit approval, documentation, equipment eligibility, lender requirements, jurisdiction and final underwriting.

Submit a complete seed tender quote

Request seed tender financing options with the equipment and trailer details, or call 833-863-4644.

Seed Tender equipment financing market context

Quick answer: Seed Tender 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 Seed Tender 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 Bulk Seed Handling System financing and Seed Hawk financing. You can also review how an equipment loan is structured before requesting a written proposal.