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FINANCING AVAILABLE FOR “COMMERCIAL” CUSTOMERS! Earth Tools has partnered with a small, U.S-based financing company that offers financing options for any Commercial or Business customer…including Farmers (provided that you claim business income from farming). Contact an Earth Tools salesperson to get details and / or a credit application. This financing applies to EVERYTHING we sell (excluding freight/shipping charges, sales tax, and labor); minimum merchandise value $1000. This financing option works for “remote” customers…you do NOT need to be physically present in our store to get approved or make a purchase. Also, there are NO extra “fees” associated with this financing option!


If you have visited the BCS America website, you may have seen that they advertise financing options through TD Bank N.A. (called the Yard Card program), and also through Sheffield Financial. They also mention that these programs are designed only for customers physically present at a BCS dealer’s store…meaning that we can only offer these options to you if you visit our store to pick up your BCS goods. Also, THE YARD CARD AND SHEFFIELD FINANCING IS ONLY AVAILABLE ON BCS-BRAND PRODUCTS. If you would be purchasing other brands of implements (Berta, R2 Rinaldi, Caravaggi, etc) those would not qualify for Yard Card or Sheffield financing.

For interested/applicable persons, Yard Card offers the following programs:

  1. Deferred Interest if Paid in Full within 12 Months There is a “promotional fee” of $50 for this plan option. (Interest will be charged to your account from the purchase date IF the purchase balance is not paid in full by the end of the promotional period. The current APR for purchases is 29.99%. Minimum purchase requirement of $499. Read full disclosure here)

  2. 3.99% APR for 60 Monthly Payments (Minimum purchase requirement of $1,500. There is a “promotional fee” of $150 for this plan option. Offer subject to credit approval. Read full disclosure here.)

Sheffield offers similar plans. Contact us for details.

Again: the Yard Card and Sheffield financing programs do NOT apply for customers who do not physically visit our store, and ONLY BCS-brand products can be purchased with Yard Card or Sheffield.

ALSO: It is worth noting that since this equipment DOES qualify as “farm equipment”, most Farm Credit agencies will make loans on this type of equipment… So, if none of the above programs work for you, check with a Farm Credit agency or your local Bank about a loan.