Diversified Financial
Diversified Financial (DFS Finance) is a division of First National Bank of Omaha that provides retail financing, leasing, and physical-damage insurance for agricultural equipment. It serves farmers and equipment dealers across the United States via a dealer network and direct online applications.
- Company typePrivate
- Founded1970
- HeadquartersOmaha, United States
- Headcount1–10
- GTM type—
- OfferingServices
What Diversified Financial does
Diversified Financial, doing business as DFS Finance, is an agricultural equipment finance division of First National Bank of Omaha (FNBO), headquartered at 14010 FNB Parkway, Suite 400, Omaha, Nebraska. The company provides retail financing contracts, high-residual leases, and physical damage insurance for agricultural equipment, serving farmers and agricultural producers across the United States with an emphasis on the Midwest. Core products are Equipment Financing (tractors, combines, tillage equipment, grain bins), Irrigation Financing (pivot systems with zero-down and delayed-payment options), and a Commercial Credit Application for commercial-use equipment. Supporting the lending book is a digital platform comprising an ACH payment service, a customer online portal for account management and autopay, a dealer dashboard for credit applications and document generation, an e-signature document flow, and a loan payment calculator with amortization. Revenue is generated primarily through interest, lease payments, and ancillary insurance products on financed equipment contracts, with go-to-market split between an extensive network of equipment dealers and manufacturers (channel-led origination with online dealer registration and auto-approval) and direct online applications from end customers. The company is privately held as a division of FNBO, a family-owned regional bank, and positions itself on a relationship-driven service model backed by over 50 years of direct agricultural lending experience.
Diversified Financial firmographics
Firmographics- Name
- Diversified Financial
- Legal name
- First National Bank of Omaha
- Website
- https://dfsfin.com
- Company type
- Private
- Founded year
- 1970
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Diversified Financial (DFS Finance) is a division of First National Bank of Omaha that provides retail financing, leasing, and physical-damage insurance for agricultural equipment. It serves farmers and equipment dealers across the United States via a dealer network and direct online applications.
- Ownership category
- akta.pro rank
Diversified Financial industry classification
Industry- Product category
- Agricultural Equipment Financing
- NAICS
- Sales Financing (52222)
- SIC
- Finance Lessors (6172)
- akta.pro primary industry
- SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)
Keywords
Where Diversified Financial is headquartered
LocationHeadquarters
- HQ city
- Omaha
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Diversified Financial business model
Business model- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Equipment Financing: Retail financing contracts for agricultural equipment including farm equipment, grain bins, and related machinery. Offers both retail contracts and high residual leases with flexible repayment terms.
- Irrigation Equipment Financing: Specialized financing for pivot irrigation systems and related equipment with options for zero down and delayed payment on new pivots.
- Commercial Equipment Financing: Financing solutions for commercial-use equipment as an additional product line.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based financing with competitive rates |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Diversified Financial product offering
Product offeringCore offering
DFS Finance provides retail financing contracts, high residual leases, and physical damage insurance for agricultural producers. Core offerings include farm equipment financing (tractors, combines, tillage equipment, grain bins) and specialized irrigation equipment financing (pivot systems). Services are delivered via an extensive equipment dealer network and direct online applications, operating as a division of First National Bank of Omaha (FNBO).
Product overview
DFS Finance is a financial services company offering a unified portfolio of agricultural financing products. The core offerings include Equipment Financing and Irrigation Financing, which together cover farm machinery and irrigation equipment needs. Supporting these are digital tools including a Loan Payment Calculator and online portals for both customers and dealers. The company operates as a division of First National Bank of Omaha (FNBO), providing retail contracts and lease options to agricultural producers and equipment dealers across the United States.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing Retail financing and leasing for farm equipment including tractors, combines, tillage equipment, and grain bins. Provides quick credit decisions, low fixed and variable rates, retail contracts, high residual leases, simplified credit applications, and e-signature documents. Target audience: agricultural producers and growers.
- Irrigation Financing Specialized financing for irrigation equipment including pivot systems and related equipment. Offers zero down and delayed payment options on new pivots, low fixed and variable rates, retail contracts, leases, and replacement cost physical damage insurance. Target audience: agricultural producers seeking irrigation financing.
- Commercial Credit Application Credit application for financing commercial-use equipment, distinct from the agricultural equipment financing line. Target audience: businesses seeking financing for commercial-use equipment.
Companies that use Diversified Financial
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Diversified Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Diversified Financial partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Equipment Dealers and Manufacturers NetworkcoreDFS Finance works with an extensive network of equipment dealers and manufacturers to provide financing solutions. Dealers can become authorized partners through a registration process, accessing auto-approval systems and dealer dashboards to serve their customers' financing needs.
- Dealer AssociationsminorDFS Finance forges long-term partnerships with equipment dealer associations as part of their distribution strategy.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Diversified Financial competitors and assessment
Company assessmentDirect peers
- Rabo AgriFinance: US subsidiary of Rabobank providing lending, equipment finance, and risk management to agricultural producers. Comparable as a bank-affiliated ag specialist lender with cross-cycle ag relationships.
- John Deere Financial: Captive finance arm of Deere & Company providing retail and lease financing for John Deere agricultural equipment. Closely comparable as an ag equipment finance specialist serving growers and dealers, with the structural advantage of manufacturer balance-sheet support.
- AGCO Finance: Captive financing joint venture supporting AGCO equipment dealers and farm customers. Directly comparable business model to DFS — equipment finance for the ag sector distributed through manufacturer and dealer channels.
- CNH Industrial Capital: Captive finance arm of CNH Industrial (Case IH, New Holland) offering retail leases and loans on ag and construction equipment. Overlaps directly with DFS's core farm equipment financing product line.
- Farm Credit Services of America: Large Farm Credit System lender serving farmers and ranchers across the Midwest with operating, real estate, and equipment loans. Closely comparable ag-focused lender with similar geography and customer base.
Emerging players
- Balboa Capital: Digital-first equipment finance lender focused on small and mid-sized businesses. Comparable in equipment finance offering but with broader SMB focus; represents the type of fintech-style competitor encroaching on traditional ag finance.
- Yield Equipment Finance: Equipment finance platform serving ag and construction dealers with embedded financing products. Comparable dealer-distributed equipment finance model with more modern digital onboarding.
Broad incumbents
- DLL: Global equipment finance vendor financing arm with a large ag equipment vertical. Comparable product (leases and loans on farm equipment) at much greater scale, distributed through dealer/OEM partnerships.
- Wells Fargo Equipment Finance: Large bank-affiliated equipment finance group with a food and ag vertical. Overlaps with DFS on equipment leasing/loans for ag customers but operates across many other industries.
- Citizens Equipment Finance: Major US equipment finance platform (expanded via CIT acquisition) serving middle-market and small business equipment borrowers. Adjacent in product type, broader in customer base.
Market position
Strengths4 records
Weaknesses2 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Diversified Financial social profiles
Digital presenceDiversified Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Diversified Financial leadership team
Management profileNumber of profiles
Diversified Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Diversified Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Diversified Financial
What does Diversified Financial do?
DFS Finance provides retail financing contracts, high residual leases, and physical damage insurance for agricultural producers. Core offerings include farm equipment financing (tractors, combines, tillage equipment, grain bins) and specialized irrigation equipment financing (pivot systems). Services are delivered via an extensive equipment dealer network and direct online applications, operating as a division of First National Bank of Omaha (FNBO).
Is Diversified Financial a public or private company?
Diversified Financial is a private company. It is classified as family owned and is currently operating.
When was Diversified Financial founded?
Diversified Financial was founded in 1970. It employs 1 to 10 people.
Where is Diversified Financial based?
Diversified Financial is headquartered in Omaha, United States, in the North America region.
How does Diversified Financial make money?
Three revenue lines are on record. Equipment Financing is the primary driver. The others are irrigation Equipment Financing and commercial Equipment Financing.
Who are Diversified Financial's main competitors?
Direct peers on record are Rabo AgriFinance, John Deere Financial, AGCO Finance, CNH Industrial Capital and Farm Credit Services of America. Emerging players are Balboa Capital and Yield Equipment Finance. Broad incumbents are DLL, Wells Fargo Equipment Finance and Citizens Equipment Finance.
Does Diversified Financial have an API?
No public API is recorded for Diversified Financial.
What industry is Diversified Financial in?
Diversified Financial's product category is Agricultural Equipment Financing. Its primary akta.pro industry code is FSABABAH, SME Equipment & Asset Finance (Leasing, Fleet, Capex). Its NAICS code is 52222 and its SIC code is 6172.