Skid Steer Loader Finance

Skid Steer Loader Finance for Construction, Landscaping & Civil Businesses

Skid steer loaders are versatile assets used across construction, landscaping, earthmoving and agricultural operations.

At My Finance Consultants, we compare skid steer loader finance across a broad range of specialist equipment lenders.

We help contractors and businesses finance new and used skid steers with structures designed around the asset, cash flow and repayment requirements.

What Skid Steer Loaders Can Be Financed?

Finance is available for a broad range of eligible skid steer loaders and compact track loaders.

This can include machines used for earthmoving, site preparation, landscaping, materials handling and general construction.

Dealer purchases generally provide the widest lender choice.

Private-sale and selected auction purchases may also be considered, subject to lender requirements and equipment verification.

The machine's age, condition, operating hours and purchase price can affect the available finance terms.

Skid Steer Loader Finance Options

Chattel Mortgage

A chattel mortgage is commonly used where your business wants to purchase and own the skid steer.

The lender provides funds towards the purchase while registering security over the financed machine.

Repayments are made over an agreed term.

Balloon Payments

Selected lenders allow a balloon payment to remain at the end of the finance term.

This can reduce regular repayments and help preserve working capital.

A larger balloon also leaves a larger final amount to repay or refinance.

We compare different repayment structures before you proceed.

Finance for Attachments

Skid steers are often purchased with buckets, augers, trenchers and other attachments.

Selected lenders may allow eligible attachments to be included within the same finance agreement.

This can simplify the purchase and keep the equipment package under one repayment structure.

New, Used & Auction Skid Steer Finance

Both new and used skid steer loaders can be financed.

Used machines may be subject to maximum age requirements, shorter loan terms or additional valuation requirements.

Private-sale skid steers can also be financed with selected lenders.

Additional checks may be required to confirm ownership, serial numbers and equipment details.

Auction finance should ideally be arranged before bidding because settlement periods can be short.

We can assess your borrowing position and the proposed equipment before you commit.

What Lenders Consider

The lender will assess both your business and the skid steer being financed.

This can include your trading history, existing liabilities, credit profile and ability to meet the proposed repayments.

Your experience within construction, landscaping, agriculture or earthmoving may also be relevant.

The machine's age, operating hours, condition and resale value can influence lender policy.

Established businesses may qualify for streamlined documentation with selected lenders.

Newer businesses can also have options where relevant industry experience and other lender requirements are satisfied.

Related Earthmoving Equipment Finance

For broader construction machinery, explore Earthmoving Equipment Finance.

We also provide Excavator Finance and Mini Excavator Finance.

For larger earthmoving equipment, visit Bulldozer Finance.

For lifting and materials-handling equipment, explore Telehandler Finance.

You can view our complete range of commercial asset-finance solutions at Business Equipment Financing.

Our Skid Steer Loader Finance Process

Review Your Equipment Purchase

We discuss the skid steer, supplier, purchase price and intended business use.

We also review your preferred finance term, contribution and repayment structure.

Compare Suitable Lenders

We compare lenders familiar with construction and earthmoving equipment.

We assess rates, fees, documentation requirements, balloon options and equipment policy.

Application & Approval

We prepare your finance application and coordinate the supporting documents required by the selected lender.

We then manage lender questions and approval requirements.

Settlement

Once approved, we coordinate settlement with the dealer or approved seller.

This helps keep payment and equipment handover progressing smoothly.

Frequently Asked Questions

Can I Finance a Used Skid Steer Loader?

Yes. Many lenders finance used skid steers, although age, operating hours, condition and value can affect the available loan term.

Can I Finance a Compact Track Loader?

Yes. Compact track loaders can be financed with selected equipment lenders under similar structures to skid steer loaders.

Can Attachments Be Included in the Finance?

Yes. Selected lenders allow eligible attachments to be included with the machine purchase.

The lender will assess the complete equipment package.

Can I Finance a Skid Steer From a Private Seller?

Yes. Selected lenders finance private-sale machinery.

Additional ownership and equipment verification may be required before settlement.

Do I Need a Deposit?

Not always.

Some established businesses may qualify for finance covering the full eligible purchase price, while other applications may require a contribution.

Can a New Business Obtain Skid Steer Finance?

Yes, with selected lenders.

Your industry experience, financial position, credit profile and available contribution can affect the options available.