I rant about an Ag Lender who doesn't know what a three-point mounting system is...

The three-point tractor hitch was invented by Harry Ferguson.  It was patented in 1926. The version that we know of today was patented in 1928. In the 1930-40's Ferguson partnered with Henry Ford to produce tractors with this hitch.

Since that point in time this basic system has been become a standard with tractors worldwide. 

This is how you attach/pick up a plow, attach a grader blade, rototiller, and the pellet mill I was attempting to buy.

HOWEVER, the lady in charge at AgDirect does not think the three-point mount on a PelletMasters 16" pellet mill makes it portable. She feels  it is a stationary mounted machine which they could not hook up to and repo, and so they decided not to loan me $10,000. It was actually not even $10,000 because I was putting $4,000 down. I think I was borrowing like $6500 over three years.

Ok... I have excellent credit.

I could walk into my local dealership and borrow like $100,000 or more to buy a tractor I couldn't actually pay for! Insanity...

Obviously this is not a lot of money, but I am small scale and I need a way to spread my purchase over a minimum of two years. Also, if I spend $10,000 right now I will be broke until spring planting season. I don't want to use a credit card or any thing sketchy. I want it simple.

The other irritating issue is that I get turned down two weeks from the end of the year. I have like ten 1,000lbs of bags of oats crammed all over the farm. Next week I am getting peas, I have 10,000lbs of barley, 8,000lbs of rye, 6,000lbs of corn. It is going to be a long winter making pellets at 300lbs per hour...

The pellet mill I was going to buy, setting in the shop. Pictures were sent to AgDirect. I asked then nice loan officer if she was familiar with three-point mounted farm equipment. (not so much) I asked if they had made loans for rototillers or three-point grader blades. She said yes. Apparently three-point pellet mills don't have a box to check. 

This picture did not prove the portability of the mill. I actually send pictures with it on a different tractor in a different location to show portability. But, it must have wheels and a tongue. I suggested this mod to PelletMasters but I don't think it is going to fly...