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Machinery makes up one of the largest categories of expenses in many farm operations. That’s why when it comes to purchasing decisions, the support of a trusted dealer and lender is critical.

“Together, dealers and ag equipment lenders provide service and resources producers depend on,” says Chris Schimke, an AgDirect territory manger in South Dakota and Nebraska.

“Dealerships possess the technical information and knowledge necessary to support customers long after the sale is made, while lenders can be a valuable resource for information regarding loan structure, conditions and refinance options.”

For example, changes to your marketing plan, working capital or interest rates may prompt you to buy, sell or trade equipment or make a modification to your current loan terms or payment structure.

By maintaining a relationship with your dealer and ag equipment lender beyond the sale or transaction, you can work together to anticipate your short- and long-term machinery and financing needs.

“Successful relationships are centered around trust, loyalty and satisfaction,” says Schimke. “At AgDirect, we understand producers’ cash flow is dependent on fluctuating market prices and grain and livestock sales, which is why we provide loans and leases with flexible terms and repayment options.”

Evolving together

Agriculture is constantly evolving and ag equipment lenders are continuing to adapt to meet the needs of dealers and their customers.

“What makes ag equipment lenders unique is that we serve as partners to both the buyer and the seller,” says Schimke. “We offer terms that help the dealership sell, and help the customer find the right financing options to purchase the machinery and equipment they need.”

As a result, ag equipment lenders like AgDirect have taken steps to provide tools and resources that improve the financing application and approval process.

Examples include developing online quoting tools and mobile apps that both dealers and customers can use to calculate loan or lease payments, automating the documentation process and using electronic signatures to help customers and dealers save time and accelerate transactions.

Aside from speed and convenience, Schimke says ongoing service and support are also vital to strengthening customer relations.

“Our territory managers and sales support team are available to assist dealers and customers alike,” he says. “We can provide loan and lease quotes, advise on terms and down payment requirements, and for larger more complex transactions we have dedicated account managers as well as a customer service team that can be contacted even after the transaction is complete.”

“As a non-recourse third party lender, our knowledge and dedication to serving agriculture gives AgDirect an edge in equipment financing,” Schimke adds. “Customers can purchase, lease or refinance with us and count on attractive rates, flexible terms and friendly service.”

The right equipment financing partner can help you remain competitive and profitable.


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