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Man walks down a grain bin staircase.


Finance the grain bins and machine sheds you need with a 100% financing lease.

Get Started
Tall grain bin.

Lease your next grain bin or machine building.

Leasing is an alternative financing option to a traditional loan. With 100% financing, you can start construction without having to put anything down.

Why Farm Credit Mid-America

  • No down payment – Take advantage of 100% lease financing.
  • Potential tax benefits – Lease payments may be deductible as business expenses§.
  • Patronage program – Our farmers can invest more in their operations because they have received more than $1.25 billion back in their wallets over the last 8 years through our Patronage program. 
Metal pole barn shop.

How to Apply

Whether you’re applying online or at a local office, we’re here to make the lease process as easy as possible.

  1. Gather Your Borrower Information
    You can apply individually or with someone else, but be sure to have the basic information handy for both borrowers, including legal name, physical address, date of birth, social security number, farm and other income. Make sure you know your annual income and the amount you want to borrow.
  2. Understand Collateral Requirements††
    Securing your lease with collateral can have a positive impact on your application approval process. Fortunately, we make it easy to use items such as equipment, livestock or inventory.
  3. Start a conversation, either online or in-person
    We offer options with our lease application. You can either message us online or reach out to a local office to start a conversation with one of our team members. 
Man stands in front of grain bins.

The six most expensive words in business are, ‘We’ve always done it that way.’


Grain bins with a red auger.

Maximize Tax Benefits§

For tax purposes, true leases can be treated as a business expense and the entire lease payment may be tax deductible. Lease purchase programs provide tax benefits that mirror those for owned equipment, such as depreciation and other eligible deductions.

Machine shed overlooking soybeans.

Preserve Your Working Capital

Maintain financial flexibility and stability by preserving working capital. Leasing can provide 100% financing, including soft costs, with no down payment required so you can keep more cash on hand. Benefit from fixed rate financing and mitigate rising rates in the future. Leasing can also help manage loan covenants and be another source of financing.

Machine shop with large green tractor.

Control Cash Flow

Fixed rates and flexible payment schedules allow matching payments to cash flow and the profits generated by the leased equipment. Lease payments can be tailored to the cash flow of your business. Monthly, quarterly, semi-annual and annual, as well as seasonal, harvest pay and step up or step down payments are available.

More Benefits

  • Estate Planning

      Leasing can effectively help transition ownership of an asset to the next generation at the end of the lease term.
  • Flexible Financing

      Leverage sale leasebacks to lease facilities already in place. New projects can be financed during their construction period and easily placed into a fixed term lease at completion.

Calculate Lease Payments

Determine your payment or lease amount for different frequencies and schedules.

About Our Rates

Your estimated recurring payment is $0 for a $0 loan at 0% APR. You’ll pay $0 in interest.

Apply Now

or Recalculate

This calculator is based on the rate being fixed to maturity. A loan not on a fixed rate could change at repricing.

Ready to Talk?

Ready to Talk?

* Loans and leases are subject to credit approval. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.

§ Consult your tax advisor to help you decide on the best leasing option for you.

† Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. To learn more about patronage or patronage eligibility, please visit our Patronage page.

†† Your loan length and credit score will impact the down payment and/or collateral required. If the existing land you plan to use for collateral has a mortgage with another institution it must be subordinated to or refinanced with Farm Credit Mid-America.

Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee. 

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