Equip your farm. Without an ag-loan covenant.
Tractors, combines, balers, sprayers, irrigation systems. Ag-equipment loans charge 7-12% APR over 5-10 year terms with crop-yield covenants tied to your operating credit. A savings club replaces the loan with a flat-fee structure that does not load your operating line.
- No yield covenants
- No operating-line impact
- Trust-protected funds
Why traditional financing falls short here.
Farm-equipment lenders price the cyclical risk of agriculture into rate sheets and covenants that constrain your operating cash flow. A bad-yield year on a financed tractor cascades into operating-line pressure. Savings clubs sever that linkage entirely: the equipment financing has nothing to do with your ag-credit profile or this season's yield.
- Ag equipment loans typically run 7-12% APR with 10-20% down required.
- Crop-yield covenants link equipment financing to operating credit performance.
- Equipment depreciation outpaces loan amortization in early years.
- Multi-equipment purchases hit DSCR ceilings on your operating line.
- Lender-required equipment insurance and GPS-tracking adds soft costs.
HOW IT WORKS FOR FARMING EQUIPMENT
Four steps to equipping the farm.
- 1
Specify the equipment.
Make, model, value bracket. Tractors, combines, planters, sprayers, eligible by value, not category.
- 2
Open clubs in parallel.
Need three pieces this season? Three clubs in parallel. No DTI math, no operating-line impact.
- 3
Receive vouchers as awarded.
Predictable cadence. Use vouchers at any authorized ag-equipment dealer.
- 4
Own it free of farm covenants.
No DSCR audit. No yield-tied call provisions. Equipment is yours.
NO YIELD LINKAGE
A bad season does not touch your equipment financing.
Your equipment financing has nothing to do with your ag-credit profile or this season's yield. There is no DSCR audit, no yield-tied call provisions, and no cap on how many clubs you run at once.
- No yield linkage. A bad season does not affect your equipment financing.
- Run multiple clubs. No portfolio cap. Equip the entire farm in parallel.
- Contributions held in trust at US Bank under JHTC.
WHAT YOU GET
The difference.
Any ag equipment
Tractors, combines, balers, sprayers, irrigation systems, eligible by value.
No down payment
Monthly contributions only. Preserve operating capital.
Flat fee
No interest. No covenants. Total cost set on enrollment.
No yield linkage
A bad season does not affect your equipment financing.
Run multiple clubs
No portfolio cap. Equip the entire farm in parallel.
Trust-protected funds
Contributions held in trust at US Bank under JHTC.
THE MATH, SIDE-BY-SIDE
A $200,000 combine, two ways to pay.
| Ag-equipment loan | Savings.Club | |
|---|---|---|
| Down payment on $200,000 combine | $20,000 to $40,000 | $0 |
| Total cost over the term | $280,000 to $320,000 | $230,000 to $245,000 |
| Yield-tied covenants | Yes | No |
| Operating-line DSCR impact | Yes | No |
| Lien on equipment | Yes | No |
Illustrative: $200K combine, 7-year ag loan at 9.5% vs. flat-fee Savings.Club obligation. Actual savings vary by equipment value and term.
QUESTIONS
Common questions.
Yes. Equipment-savings-clubs are configured by equipment value, not operation type. Row-crop, livestock, dairy, orchard, and specialty operations all qualify.
Be first in line.
Join the waitlist and we'll email you the moment this club opens in your state.
Available in TX, FL, MA, and CT.