Case IH

Mehmi Financial Group helps businesses finance and lease Case IH equipment, including tractors, combines and planters, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Case IH units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.

About Case IH

Case IH brings together two of North America's oldest farm equipment names. International Harvester traces back to Cyrus McCormick's reaper and was formed in 1901, and Case IH was created when J.I. Case combined with International Harvester's agricultural business in the mid-1980s, according to CNH. Today Case IH is part of CNH.

Case IH equipment on our list

The Case IH models on our eligible equipment list are farm machines: tractors, including high-horsepower four-wheel-drive and track tractors, Axial-Flow combines and other harvest and crop equipment. These are high-value seasonal assets, and many are found on large grain and oilseed operations across the Prairies and the US Midwest.

How lenders finance Case IH equipment

Farm lenders focus on how the equipment fits the operation's income cycle. Payments are often scheduled annually or semi-annually around harvest and crop sales. For combines, lenders look at engine and separator hours and the header packages; for tractors, horsepower, hours, transmission and the implements bought alongside. A clean maintenance record from a Case IH dealer helps on used units.

Dealer programs, Farm Credit and independent lenders

Case IH dealers and CNH's finance arm may offer seasonal programs on new and used equipment. Farm Credit Canada and banks with agriculture teams also finance farm equipment. Comparing these options is useful when buying used, at auction or from a neighbour, when combining several purchases, or when the farm's financials are seasonal or complex.

How Case IH equipment financing works

Most Case IH purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.

Case IH equipment we help finance

Financing Case IH tractors

Tractors are financed for row crops, hay, livestock and property work, and for some construction and municipal uses. Lenders look at horsepower class, hours, transmission type and the implements bought with it. Payment schedules can often be matched to harvest or sales seasons. Used tractors with documented service history and common configurations are usually easier to place with lenders than rare or heavily modified units.

Case IH tractors on our eligible equipment list include Case IH Magnum 215 Tractor, Case IH Magnum 260 Tractor, Case IH Magnum 275 Tractor and Case IH Magnum 280 Tractor.

Financing Case IH combines

Combines are high-value seasonal assets. Lenders look at engine and separator hours, header packages and the acreage or custom-harvest work behind the purchase. Annual or semi-annual payments that follow harvest income are common. Headers can sometimes be financed with the combine when they are on the same invoice.

Case IH combines on our eligible equipment list include Case IH Axial-flow 150 Combine, Case IH Axial-flow 250 Combine, Case IH Axial-flow 7088 Combine and Case IH Axial-flow 8010 Combine.

What lenders check on a Case IH tractor

Lenders look at hours, maintenance history and how payments fit your crop or livestock cash cycle. Seasonal or annual payment schedules are common for farm equipment.

Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and hours, and financial statements or tax returns for larger amounts.

See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.

All Case IH models with financing pages

Tax treatment of Case IH equipment

In Canada, the CCA class depends on the asset and how it is used. Your accountant can confirm the right class. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.

Can I finance a Case IH Axial-Flow combine with annual payments?

Many farm lenders offer annual or semi-annual payments that match harvest income. Terms depend on the lender and your operation.

Can I finance a used Case IH Steiger or Quadtrac?

Yes. Lenders review hours, transmission, tracks or tires and the implements bought with it.

Is CNH's finance arm my only option for Case IH equipment?

No. Farm Credit Canada, banks with agriculture teams and independent lenders also finance Case IH equipment.

Can I finance Case IH equipment bought at auction or from a neighbour?

Yes, with a bill of sale, proof of ownership and a lien search. Some lenders also ask for an inspection.

Can I finance a combine header separately?

Some lenders will finance a header on its own, but it is often simpler to finance it with the combine on one invoice.

How do lenders view grain operations with variable yields?

They look at several years of financials, crop insurance and how the payment schedule fits the farm's income cycle.