Hardi
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Mehmi Financial Group helps businesses finance and lease Hardi equipment, including sprayers, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Hardi units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About HARDI
HARDI is a sprayer manufacturer founded in Denmark that says it was the first in the world to introduce sprayers with a diaphragm pump. HARDI North America sells mounted, trailed and self-propelled sprayers.
HARDI equipment
HARDI sprayers are used by grain, vegetable and orchard farms and by custom applicators.
How lenders view sprayers
Sprayers are financed on the farm's income cycle. Lenders review the sprayer's type, size, age and condition, and the farm's acres and financials.
Financing HARDI equipment
Annual or seasonal payments are common. Farm Credit Canada, banks, dealers and independent lenders can be compared.
How Hardi equipment financing works
Most Hardi 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.
What lenders check on a Hardi sprayer
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 Hardi models with financing pages
| Model | Type | Category |
|---|---|---|
| Hardi | Equipment | Farming |
| Hardi Field Sprayer | Sprayer | Farming |
Tax treatment of Hardi 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.
End-of-term options on a Hardi lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances Hardi equipment
Farming: grain and oilseed farms, dairy and livestock operations, custom operators, orchards and vineyards, and agricultural contractors finance Hardi equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and hours?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed Hardi equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance a HARDI sprayer?
Yes. Lenders review the sprayer and the farm's income.
Where is HARDI from?
HARDI was founded in Denmark.
Can an orchard finance a HARDI sprayer?
Yes. Lenders review the orchard's financials.
Can I get annual payments?
Many farm lenders offer annual or seasonal payments.
Can I finance a used sprayer?
Yes. Lenders review condition.
Can a sprayer be financed with a tractor?
Some lenders will finance them together.
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