세계의 농업기계 금융 시장 기회, 성장 촉진요인, 산업 동향 분석 및 예측(2025-2034년)

The Global Agricultural Equipment Finance Market generated USD 74.5 billion in 2024 and is projected to expand at a CAGR of 6.3% between 2025 and 2034. This remarkable growth is primarily driven by the continuously rising global population, which directly fuels an ever-growing demand for food production. As food demand escalates, farmers worldwide are compelled to boost their agricultural output, relying heavily on advanced machinery such as tractors, harvesters, irrigation systems, and precision farming technologies. However, with evolving technologies and higher costs associated with modern agricultural equipment, many farmers are unable to afford these machines outright. This is where financing solutions become critical, enabling farmers to access high-tech machinery without bearing the burden of full upfront costs.

The agricultural equipment finance market plays a crucial role in facilitating the modernization of farming practices, particularly as governments in emerging economies encourage mechanization to ensure food security. In addition, the ongoing shift toward precision agriculture, aimed at improving yields and minimizing resource wastage, further heightens the demand for sophisticated farming tools and the financial support necessary to procure them. Rising awareness among farmers regarding the benefits of mechanized farming, coupled with supportive government initiatives such as subsidies and tax benefits for agricultural equipment, adds significant momentum to the growth of this market. As climate change and labor shortages continue to impact the agriculture sector globally, the need for efficient, high-capacity machinery backed by flexible financing options becomes more critical than ever.

The market for agricultural equipment is segmented into various categories, including tractors, harvesters, irrigation systems, and precision agriculture technologies. Among these, tractors remain a dominant segment, generating USD 14 billion in 2024. Tractors are indispensable for diverse farm operations like plowing, planting, and harvesting, making them one of the most sought-after machines. With constant advancements in tractor technology-such as GPS-enabled systems, autonomous functionality, and enhanced fuel efficiency-the price of tractors continues to rise. As a result, farmers increasingly depend on financing options to afford these essential tools, driving steady demand for agricultural equipment finance solutions.

When it comes to financing options, the agricultural equipment finance market is largely divided into loans, leasing, hire purchase, and other alternatives. Among these, the loan segment accounted for 45% of the market share in 2024. Loans for agricultural equipment, usually offered by commercial banks and specialized farm lenders, are especially popular among farmers in developing regions. These loans provide flexible repayment terms and the advantage of long-term ownership, making them an ideal choice for farmers aiming to build sustainable and efficient operations. The availability of such tailored loan products ensures that farmers can invest in cutting-edge machinery to boost productivity and profitability.

Regionally, North America Agricultural Equipment Finance Market held 35% of the global share in 2024. The United States, with its robust agricultural sector, stands out as one of the largest producers and exporters of agricultural goods worldwide. To keep pace with both domestic and international food demands, American farmers rely heavily on modern, high-capacity equipment, significantly driving the need for financing solutions. This demand is expected to grow further as U.S. agriculture continues to prioritize technological upgrades and enhanced production efficiency to remain competitive in the global market.

Table of Contents

Chapter 1 Methodology & Scope

• 1.1 Research design
  • 1.1.1 Research approach
  • 1.1.2 Data collection methods
• 1.2 Base estimates & calculations
  • 1.2.1 Base year calculation
  • 1.2.2 Key trends for market estimation
• 1.3 Forecast model
• 1.4 Primary research and validation
  • 1.4.1 Primary sources
  • 1.4.2 Data mining sources
• 1.5 Market scope & definition

Chapter 2 Executive Summary

• 2.1 Industry 360⁰ synopsis, 2021 - 2034

Chapter 3 Industry Insights

• 3.1 Industry ecosystem analysis
• 3.2 Supplier landscape
  • 3.2.1 Agricultural equipment manufacturers
  • 3.2.2 Financial institutions and lenders
  • 3.2.3 Dealers and distributors
  • 3.2.4 End Use
• 3.3 Profit margin analysis
• 3.4 Technology & innovation landscape
• 3.5 Patent analysis
• 3.6 Use cases
• 3.7 Key news & initiatives
• 3.8 Regulatory landscape
• 3.9 Impact forces
  • 3.9.1 Growth drivers
    • 3.9.1.1 Government support and subsidies for agricultural activities
    • 3.9.1.2 Growing food demand due to rising population
    • 3.9.1.3 Shift towards large-scale commercial farming
    • 3.9.1.4 Technological advancements in farm equipment
  • 3.9.2 Industry pitfalls & challenges
    • 3.9.2.1 Volatile agricultural markets
    • 3.9.2.2 Slow adoption of financial technology
• 3.10 Growth potential analysis
• 3.11 Porter's analysis
• 3.12 PESTEL analysis

Chapter 4 Competitive Landscape, 2024

• 4.1 Introduction
• 4.2 Company market share analysis
• 4.3 Competitive positioning matrix
• 4.4 Strategic outlook matrix

Chapter 5 Market Estimates & Forecast, By Equipment, 2021 - 2034 ($Bn)

• 5.1 Key trends
• 5.2 Tractor
• 5.3 Harvester
• 5.4 Livestock equipment
• 5.5 Irrigation systems
• 5.6 Planting and seeding equipment
• 5.7 Fertilizing and spraying equipment
• 5.8 Precision Agriculture Technology
• 5.9 Others

Chapter 6 Market Estimates & Forecast, By Financing, 2021 - 2034 ($Bn)

• 6.1 Key trends
• 6.2 Loan
• 6.3 Leasing
• 6.4 Hire purchase
• 6.5 Others

Chapter 7 Market Estimates & Forecast, By Borrower, 2021 - 2034 ($Bn)

• 7.1 Key trends
• 7.2 Individual farmers
• 7.3 Large agricultural corporations
• 7.4 Cooperatives and farming groups

Chapter 8 Market Estimates & Forecast, By Finance Provider, 2021 - 2034 ($Bn)

• 8.1 Key trends
• 8.2 Commercial banks
• 8.3 Government agencies
• 8.4 Equipment manufacturers
• 8.5 Specialized farm lenders
• 8.6 Others

Chapter 9 Market Estimates & Forecast, By Financing Term, 2021 - 2034 ($Bn)

• 9.1 Key trends
• 9.2 Short term (up to 3 years)
• 9.3 Medium term (3-5 years)
• 9.4 Long term (more than 5 years)

Chapter 10 Market Estimates & Forecast, By Region, 2021 - 2034 ($Bn)

• 10.1 Key trends
• 10.2 North America
  • 10.2.1 U.S.
  • 10.2.2 Canada
• 10.3 Europe
  • 10.3.1 UK
  • 10.3.2 Germany
  • 10.3.3 France
  • 10.3.4 Italy
  • 10.3.5 Spain
  • 10.3.6 Russia
  • 10.3.7 Nordics
• 10.4 Asia Pacific
  • 10.4.1 China
  • 10.4.2 India
  • 10.4.3 Japan
  • 10.4.4 Australia
  • 10.4.5 South Korea
  • 10.4.6 Southeast Asia
• 10.5 Latin America
  • 10.5.1 Brazil
  • 10.5.2 Mexico
  • 10.5.3 Argentina
• 10.6 MEA
  • 10.6.1 UAE
  • 10.6.2 South Africa
  • 10.6.3 Saudi Arabia

Chapter 11 Company Profiles

• 11.1 AGCO Finance
• 11.2 Agricultural Bank of China
• 11.3 American AgCredit
• 11.4 Banco Santander
• 11.5 Bayer
• 11.6 BMO Harris Equipment Finance
• 11.7 BNP Paribas Leasing Solutions
• 11.8 CNH Industrial Capital
• 11.9 CoBank
• 11.10 DLL Group
• 11.11 Farm Credit Canada
• 11.12 FNB Agriculture
• 11.13 John Deere Capital
• 11.14 Kubota Credit
• 11.15 Mahindra Finance
• 11.16 Northland Capital Equipment Finance
• 11.17 Rabo AgriFinance
• 11.18 Regions Bank
• 11.19 TD Equipment Finance
• 11.20 Wells Fargo