Fermachi

PAYG financing

Patient capital that ploughs back.

Pay-as-you-grow leases unlock tractor ownership for first-time operators. Telemetry from each machine becomes the credit signal.

96%+

Repayment rate

1.5%

Portfolio at risk (30d)

38%

Female PAYG renters

5.5M

Acres engaged

How it works

Credit that follows the season.

Repayments are sized to the planting calendar, not the calendar month. When the season is in, you pay more; in the lull, you pay less. The machine itself is the collateral.

  1. 01

    Apply with telemetry

    Existing operators bring their job history; new operators start with a co-signed plan.

  2. 02

    Receive the machine

    Delivered through a regional hub with the Smart Tractor monitor installed.

  3. 03

    Pay as you grow

    Repayments are pulled automatically from your booking earnings.

  4. 04

    Own it outright

    On final payment the lien is released and the machine is yours.

Why our portfolio holds up

A lender that reads the field.

Telemetered collateral

Hour-meters and geofencing keep the asset visible at all times.

Booking-pull repayments

Money flows through us first — your share lands after the lease.

Local underwriting

Booking agents add context that traditional credit scores miss.

Insurance bundled

Crop, liability, and machine cover included in the plan.

Training included

Every borrower passes operator certification before delivery.

Gender-positive

Tailored plans for women-owned operations have grown the cohort 4x.

See if PAYG fits your operation.

Five minutes to apply. A decision in days.

Start applicationSpeak to credit team