Flexible financing makes it easy to put the right equipment to work without draining your cash. Apply in minutes — checking your rate won't affect your credit score.
· companies, farms & LLCs · $1,500+ · apply from any machine’s page
At Ray & Sons Farm and Fleet, we don't want a big up-front cost standing between you and the machine that gets the job done. Whether you're a contractor scaling up, a farmer adding a tool, or a homeowner tackling a big project, financing lets you spread the cost into manageable monthly payments and keep your working capital where it belongs.
Get the equipment now instead of waiting to save up — put it to work this week.
Preserve working capital for fuel, payroll, and the unexpected.
Payment plans built to fit your budget and your season.
A quick, straightforward application — no mountain of paperwork.
See what your equipment could cost per month. Adjust the amount to fit your budget — no commitment, and checking won't affect your credit.
Estimated payment for illustration only — your actual rate and terms come from our financing partner, Hearth. Checking your rate won't affect your credit score. Subject to credit approval.
Choose the machine, attachment, or trailer that fits your job.
Fill out a quick application — it only takes a few minutes.
Reviews come back fast so you're not left waiting.
Pick up or take delivery and start earning right away.
We work with two partners so you land with the right lender for how you buy. Pick the one that matches you:
If you're purchasing through a company, farm, or LLC, is built for you. One application goes out to a network of competing equipment lenders, so you get real offers to compare instead of chasing banks one at a time — and a dedicated finance coordinator walks you through it. Business customers only, on equipment over $1,500.
Every machine over $1,500 has an Apply for Business Financing button on its page, with the monthly payment already worked out.
Financing more than one thing? Hit that button on each machine or attachment you want — they add up onto a single application, and you finance the whole package as one payment. Want it quoted as a bundle instead? Ask us for a quote and we’ll send you an application with everything already on it.
For personal purchases, we work with Hearth to make financing quick and painless. Apply online in minutes and review your options — checking your rate won't affect your credit score. Once you're approved, we handle the rest and get your equipment ready.
Have questions before you apply? Schedule a free call with a Hearth financing concierge — a real person who can walk you through your options, explain the terms, and answer anything you're unsure about. No pressure, no obligation.
Apply online in minutes, schedule a free call with a financing concierge, or reach out to us directly.
