Products and Services

Farm Credit Leasing

Comparing Leases

When you’re choosing a leasing partner, comparing more than interest rates will ensure that you get the best solution for your needs.

Equipment Purchase
If you’d like to purchase the equipment at the conclusion of the agreement, make sure your leasing terms mesh with your financing objectives. While not all leasing companies offer purchase options, FCL offers a range of lease options tailored to your needs.

Flexibility of the Terms
Leasing’s flexibility sets it apart from other forms of financing. You typically can adjust the length of term, frequency of payments and the residual value of the equipment at lease end. FCL leases offer flexibility on all of these terms to fit your financial needs and how you expect to use the equipment.

Additional Costs
Some leasing companies include peripheral costs in the lease price, while others add on these costs later. Be sure to ask your provider how much of the costs associated with installation, shipping, computer software, licensing or other expenses can be included in the lease contract. With an FCL lease, a portion of these added costs can be built into your lease to reduce your up-front costs.

Type of Lease
Leases may be structured so that equipment does not appear on your balance sheet, which can improve your business’s financial ratios. For tax purposes, true leases can be treated as a business expense, just as an electric bill is, and the entire lease payment can be tax deductible. Lease purchase programs provide tax benefits that mirror those for owned equipment. FCL offers all types of leases. You should consult an accountant for advice on which type of lease is right for you, and we'll work closely with your tax consultant to identify the best options for your business.

Financial Strength of the Leasing Partner
Leasing companies with strong financial capacity can access funds at lower rates, which translates into competitive lease rates for you. Since FCL lease solutions are offered throughout the country, we're able to offer strong leasing terms. We also syndicate leases, and we act as a syndication agent for these transactions. We can fulfill all of your leasing needs – no matter how large or complex.

Industry Expertise
FCL is focused on meeting the special needs of agriculture and other businesses that serve rural America. From grain storage facilities to vehicles to processing equipment, our experts can help you find exactly what you need.


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