It seems likely to me a bank would be thrilled to loan money to a consistently profitable farmer whose machines just shut themselves off because Reasons and need replacing ASAP.
I don't want to make the mistake of assuming farmers can't manage their finances, they certainly can. But on the farmer's end, there's lots of variables that can be in play, adding unexpected debt can only increase that.
On the bank's side, if "widespread tractor failure" is a real event, banks would be issuing potential risky loans in the millions to farms, businesses, and people. Though yes, if it was a local credit union, dealing with just a couple clients, it might be a risk worth taking. Maybe it'd help out some small local banks as well as small farmers - but whether that's scalable could be a challenging business question.