Can attachments be financed with the skid steer?

Yes. Buckets, augers, grapples, forks, and brush cutters can usually be bundled into the financing when they appear on the same quote or invoice as the base machine. Combining them on one invoice keeps the funding simple, subject to underwriting.

Do you finance used skid steer loaders with high hours?

Often yes. High-hour units are reviewed case by case based on condition, maintenance history, and resale value, and term length is typically adjusted to the remaining useful life. Approval and structure are subject to underwriting.

Can I buy a skid steer from a private seller?

Private-party purchases are reviewed individually. We typically request a bill of sale, serial number, hours, and sometimes an inspection so the machine can be valued before funding, all subject to approval.

Is a down payment required on a skid steer loader?

Any down payment depends on the machine, the seller, and your business profile, and is determined during underwriting. Some structures are available with little to no money down, subject to approval.

Equipment Financing

Skid Steer Loaders Financing

Direct answer

RCR International Finance LLC finances new and used skid steer loaders for contractors, landscapers, and site crews. Funding can cover the base machine plus attachments such as buckets, augers, and grapples on the same quote, structured as an equipment loan or lease. Eligible units, term length, and any down payment are subject to underwriting and approval based on your business and the dealer or seller invoice.

Start an Application Call +1 248-939-2646

8-12 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 skid steer loaders financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for skid steer loaders before you apply.

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What skid steer loaders you can finance

A representative sample of eligible assets in this category.

Bobcat S70 and S650
Caterpillar 236D3 and 246D3
John Deere 318G and 332G
Case SR210 and SR240
Kubota SSV65 and SSV75
New Holland L218 and L228
Gehl V330

Financing skid steer loaders: the basics

RCR International Finance LLC arranges skid steer loaders financing for businesses acquiring construction equipment. Because the asset secures the deal, skid steer loaders 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 skid steers often qualify for longer financing terms and full warranty coverage, which suits crews running them daily across multiple jobs. Used units are widely financed and are evaluated on engine hours, tires or tracks, and overall condition, with terms commonly tied to the remaining useful life. Both new and used purchases are subject to underwriting and approval.

An equipment loan builds ownership in the loader, which fits contractors who keep machines for many seasons and run high hours. A lease can reduce upfront commitment and make it easier to rotate onto a newer model with updated attachments. The right choice depends on cash flow, tax planning, and how long you intend to keep the unit.

Loan vs lease: which fits this asset?

Both options finance skid steer loaders, 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 delivery to the yard or jobsite

Roll freight and delivery to the yard or jobsite into the financed amount where the structure allows.

Attachments such as buckets, augers, grapples, and forks

Roll attachments such as buckets, augers, grapples, and forks 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.

Applicable sales and use taxes

Roll applicable sales and use taxes into the financed amount where the structure allows.

Operator orientation or safety training

Roll operator orientation or safety training into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the skid steer loaders 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 skid steer loaders

Signed equipment quote or invoice from the dealer or seller
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 skid steer loaders

Construction

Purchasing or refinancing heavy equipment and vehicles

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Facility Services

Covering crew payroll against net-term contracts

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Agriculture

Buying or refinancing farm machinery and equipment

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