Circle T Ranch Equipment
Ranch equipment in the field

Financing

KISCO Leasing Co., LLC

Circle T Ranch Equipment is excited to announce a partnership with KISCO Leasing Co., LLC, to offer our customers agriculture equipment financing and leasing options for our cattle and bison equipment. KISCO is a family-owned company focused on building strong customer relationships through exceptional service. They strive to offer competitive financing rates and long-term support to their customers, dealers, and producers, ensuring a trusted partnership beyond the initial transaction.

Agriculture Equipment Financing Terms

Credit Requirements

To qualify for leasing or financing, customers must meet the following criteria:

  • —At least 3 years in business
  • —A minimum credit score of 680
  • —Must have previously borrowed a similar amount, demonstrating comparable debt experience

Interest Rates & Terms

  • Interest RatesInterest is locked in throughout the entire term of the note and ranges from 7% and up, depending on the amount financed.
  • Loan TermsLoan terms range from 2 to 6 years for cattle chutes.
  • Payment OptionsMultiple payment plans are available, including monthly, quarterly, semi-annual, and annual options.

Lease-to-Own & Tax Benefits

Lease-to-Own Option: Customers own the equipment at the end of the term. The only difference between a lease and standard financing is a $1 residual added to the final payment. Once the last payment and $1 residual are paid, the customer fully owns the machine. Standard financing options are also available for those who prefer them.

100% Tax Deductible: Customers can fully deduct each lease payment from their taxes, making payments 100% tax-deductible and off the balance sheet. We encourage customers to consult their accountant to determine the best option for their operation, and KISCO will customize the deal to meet their specific needs.

Harvest Delay Program

The Harvest Delay Program lets customers choose when payments start, helping manage cash flow by tailoring payment delays to match their preferred timeline. For example, if the first annual payment is needed in 6 months, customers pay 10% of the purchase price today. Available delay tiers include:

3-Month Delay

5% down

6-Month Delay

10% down

9-Month Delay

15% down

12-Month Delay

20% down

Ready to finance your equipment?

KISCO Leasing Company

Lauren McCormick

603 N. Ave. H, Box 53

Haskell, Texas 79521

Office (940)-864-3652

Fax (940)-864-3468

Mobile (325)-665-7351

Email: lauren@kiscoleasing.com

Website: www.kiscoleasing.com