MacDon
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Mehmi Financial Group helps businesses finance and lease MacDon equipment, including farming equipment, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used MacDon units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About MacDon
MacDon is a Winnipeg, Manitoba maker of harvesting equipment. It began in 1949 as Killbery Industries, building sprayers and farm implements, and in 1951 produced one of North America's first self-propelled windrowers, according to MacDon. Joe MacDonald bought the company in 1971 and renamed it MacDon Industries. In February 2018, Guelph-based Linamar completed its acquisition of MacDon.
MacDon equipment on our list
Our eligible equipment list includes MacDon draper headers such as the D1, FD70 and FD145 FlexDraper. Draper headers attach to combines from many manufacturers and are prized on Prairie and Plains grain farms for harvesting cereals, canola and pulses. MacDon also builds self-propelled windrowers.
Financing a header on its own
A draper header is a high-value attachment, and farms often buy one separately from the combine, for example when switching combine brands or upgrading width. Some lenders finance headers on their own, while others prefer them on the same deal as a combine. Lenders review the header's model year, width, condition of the belts, knife and reel, and the adapter needed to fit your combine.
How lenders view MacDon equipment
MacDon headers have a strong resale market among grain farms, which helps lenders. Payments are often scheduled annually or semi-annually around harvest. For windrowers, lenders review engine hours and the header package. Farm Credit Canada, bank agriculture teams, dealer programs and independent lenders all finance this equipment.
How MacDon equipment financing works
Most MacDon 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 MacDon farming equipment
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 MacDon models with financing pages
| Model | Type | Category |
|---|---|---|
| Macdon D1 Draper Header | Equipment | Farming |
| Macdon FD145 Draper Header | Equipment | Farming |
| Macdon FD70 Draper Header | Equipment | Farming |
| MacDon M1240 Windrower | Equipment | Farming |
Tax treatment of MacDon 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.
Frequently asked questions
Can I finance a MacDon draper header by itself?
Yes, some lenders finance headers on their own. Others prefer them with a combine on one deal.
Can I finance a used MacDon FD145 FlexDraper?
Yes. Lenders review year, width, belts, knife and reel condition and the combine adapter.
Is MacDon a Canadian company?
Yes. MacDon is based in Winnipeg, Manitoba, and Linamar completed its acquisition in 2018.
Can I get annual payments on a MacDon header?
Many farm lenders offer annual or semi-annual payments matched to harvest.
Can I finance a MacDon windrower?
Yes. Lenders review engine hours and the header package.
Does the combine adapter need to be on the invoice?
Ideally yes, so the whole setup is included in the financing.
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