Motor Graders Financing
Direct answer
RCR International Finance LLC finances new and used motor graders for road builders, site contractors, and municipal road departments. Graders are used for precise grading, crowning, and ditching, and funding can be arranged as an equipment loan or lease secured by the machine. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
12-20 years
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how motor graders financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances new and used motor graders for road builders, site contractors, and municipal road departments. Graders are used for precise grading, crowning, and ditching, and funding can be arranged as an equipment loan or lease secured by the machine. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
Plan ahead
Estimate your payment
Model a monthly payment for motor graders before you apply.
Open the estimatorWhat motor graders you can finance
A representative sample of eligible assets in this category.
- Caterpillar 120, 140, and 160
- John Deere 670G and 772G
- Komatsu GD655
- Volvo G930 and G946
- Case 836C and 856C
- Champion 730A
- Komatsu GD675
Financing motor graders: the basics
RCR International Finance LLC arranges motor graders financing for businesses acquiring construction equipment. Because the asset secures the deal, motor graders is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New motor graders typically support longer terms and full warranty coverage, which suits agencies and contractors with steady roadwork. Used graders are commonly financed and evaluated on hours, circle and moldboard wear, and transmission condition, with terms set to remaining useful life. Both are subject to underwriting and approval.
A loan builds ownership in a long-lived machine that road crews often keep for many years. A lease can reduce upfront cost and support rotation onto units with newer grade-control technology. The right structure depends on utilization, tax planning, and your ownership horizon.
Loan vs lease: which fits this asset?
Both options finance motor graders, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Freight and lowboy transport to the jobsite
Roll freight and lowboy transport to the jobsite into the financed amount where the structure allows.
Grade-control and GPS guidance systems
Roll grade-control and gps guidance systems into the financed amount where the structure allows.
Snow wing or dozer blade attachments
Roll snow wing or dozer blade attachments into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Dealer setup and pre-delivery inspection
Roll dealer setup and pre-delivery inspection into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the motor graders and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance motor graders
- Signed equipment quote, invoice, or auction receipt
- Three to six months of recent business bank statements
- Most recent business tax return
- Machine specifications including year, make, model, and hours
- Driver's license or government-issued ID of the owner
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance motor graders
Key takeaways
- Motor Graders can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as freight and lowboy transport to the jobsite and grade-control and gps guidance systems can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance motor graders for your business
RCR International Finance LLC can help you compare loan and lease options for motor graders.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Motor Graders financing FAQs
- Can grade-control technology be financed with the grader?
- Often yes. GPS and grade-control systems can usually be bundled into the financing when they are part of the same purchase quote as the machine, subject to underwriting and approval.
- Do you finance used motor graders?
- Yes. Used graders are commonly financed and valued on hours, moldboard and circle wear, and overall condition, with term length tied to remaining useful life, subject to underwriting.
- Are snow-removal attachments financeable?
- Generally yes. Snow wings, front blades, and similar attachments can be bundled into the financing when they appear on the same quote as the grader, subject to approval.
- How long are typical motor grader financing terms?
- Terms are matched to the long useful life of these machines, with newer units supporting longer terms than high-hour used graders. Your specific term is set during underwriting.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.