Equipment Leasing

Farm Credit of Southern Colorado offers diverse leasing options for virtually all equipment and machinery used in agriculture, including tractors, combines, farm implements, facilities, dairy equipment, grain bins, above-ground irrigation systems, trucks, processing and packaging equipment and material handling equipment.

Equipment Leasing Features

  • Lease terms of 2–7 years
  • Fixed payment on monthly, quarterly, semiannual or annual schedules
  • Options at the end of the lease to return the equipment, renew the lease or purchase the equipment; fixed termination options are based on the original purchase price


Pay Nothing Down – Typically, down payments aren’t necessary.  Just the first payment is due at lease commencement.  Often, leasing can provide 100% financing.

Maximize Tax Benefits – Lease payments may be fully tax deductible under a True Lease, lowering taxable income and providing for the faster expensing of equipment compared to traditional depreciation.  A Conditional Sale lease allows the lessee to take advantage of deductions available as tax owner of the equipment.

Control Cash Flow – Fixed rates and flexible payment schedule allow matching of payments to cash flow and the profits generated by the leased equipment.

Preserve Capital – By leasing, preserve cash, working capital and other credit lines for expansions and day to day expenses.

Standardize Replacement Cycle – A planned replacement cycle ensures access to reliable, low maintenance equipment at all times.

Retain Future Flexibility – When the lease ends, the lessee can purchase and continue using the equipment or return it and get a newer model.

Estate Planning Power – Use leasing as a simple way to transition equipment to the next generation at the end of the lease term.