Agricultural equipment dealers don’t just sell machinery; they power the American food supply. However, when a $250,000 tractor payment goes missing, it’s more than a late bill—it’s a direct hit to your dealership’s floor plan and interest-coverage ratio. In a community-based industry, a “bully” collection style can destroy your local standing, but silence on aged debt can destroy your business.
Nexa provides a specialized, Reputation-First recovery system designed for the unique cash-flow cycles of the agricultural world. We bridge the gap between being a “good neighbor” and ensuring your financial survival.
Secure Your Dealership’s Cash Flow Now
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation, free bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5.
The Ag-Equipment Reality: Why Timing is Everything
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The Depreciation Danger Zone: In the ag world, a delinquent account is a depreciating asset. With tier-4 engine technology and high-hour depreciation, a combine sitting in a shed on day 120 of non-payment can lose 15% of its recovery value before the first mediation call is even made. We stop the clock and secure the value.
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Statutory Lien Priority (The PMSI Advantage): Don’t let the local bank take your collateral. We specialize in enforcing Purchase Money Security Interests (PMSI). This gives you “super-priority” over a farmer’s existing blanket liens—but only if you act within strict UCC filing windows. Nexa ensures you stay first in line for the check, not last.
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The “Elevator Check” Timing Strategy: Ag-debt isn’t about ability; it’s about liquidity. We synchronize our high-impact recovery triggers with USDA subsidy release dates and regional harvest payouts. By the time the “elevator check” clears, Nexa has already positioned your invoice at the top of the farmer’s payables list.
The Nexa 4-Step “Harvest” Recovery Ladder
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Step 1: The Account Reconciliation (Fixed Fee). Best for accounts 30–60 days past due. We send professional, white-labeled notices that act as a “soft reminder” under your brand. The farmer pays you directly. You keep 100% of the money.
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Steps 2–4: Specialized Mediation (Contingency). For high-value, aged debt. Our mediators understand UCC-1 filings and Agricultural Liens. We resolve the debt through negotiation, avoiding the cost and mess of repossession whenever possible. No Recovery = No Fee.
Why Agricultural Creditors Trust Nexa
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UCC-1 & PMSI Expertise: We ensure your security interest is protected against other banks or creditors. We verify lien positions to ensure you have the maximum leverage during mediation.
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Seasonality Awareness: We don’t call farmers during the peak of harvest. We time our outreach for when the farmer is actually at their desk, ensuring a higher response rate and less community friction.
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50-State Licensing: Whether your customer is a local family farm or a multi-state corporate grower, we have the legal authority to recover your funds across state lines.
Recent Industry Recovery Results
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Multi-County Implement Dealer: Recovered $160,000 in delinquent lease payments on high-horsepower tractors within 45 days.
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Specialty Irrigation Dealer: A dealer was owed $65,000 for a custom pivot system. Nexa’s Step 1 service triggered payment in full within 42 days.
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Short-Line Dealer: Reduced 90-day delinquency by 42% in one quarter, restoring $120,000 to the dealership’s operating budget.
Frequently Asked Questions (FAQ)
1. How do you handle “Pay-at-Harvest” terms?
We customize our recovery triggers to match your specific contract terms, ensuring we aren’t creating friction during the farmer’s busiest months while still securing your priority status.
2. Can you handle UCC-1 disputes with local banks?
Yes. Our mediators are trained in the Uniform Commercial Code and can effectively communicate your “super-priority” status to other creditors, often resulting in a faster settlement.
3. Will this damage my dealership’s local reputation?
No. We maintain a 4.85 Google Rating because we focus on professional mediation. We act as an extension of your office, resolving disputes rather than escalating them.
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