SKID STEERS & TRACK LOADERS
Skid steer and compact track loader financing
Leasing a skid steer keeps the cash in the business and puts the machine on the job this week. We finance new and used skid steers and compact track loaders from any dealer, auction or private seller, on a lease you can own at the end — and the bucket, the breaker and the trailer go on the same lease instead of three separate bills.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Skid steer loaders — Bobcat S64 and S76, Cat 262D3, John Deere 330 G
- Compact track loaders — Bobcat T76, Cat 299D3 XE, Takeuchi TL12R2
- Kubota SVL75-3 and SVL97-2 track loaders
- Case, New Holland, JCB and Gehl skid steers
- Battery-electric compact loaders
- Buckets, forks, grapples and 4-in-1 buckets
- Hydraulic breakers, augers and cold planers
- Mulching heads, brush cutters and snow pushers
- Equipment trailers to haul the machine and its attachments
- Used, auction and dealer-demo machines
Why lease it
01
Stop paying rent on a machine
Weekly rental never ends and never leaves you owning anything. A lease payment is fixed for the term and the machine is yours at the end, so the money that used to leave every Friday buys something.
02
Attachments on the same paper
The loader is half the job. Put the breaker, the grapple and the trailer on the same lease as the machine, from the same dealer or three different ones, and it is one payment for the whole setup.
03
Bid the work now, not next season
Most decisions come back the same day, so the machine can be under you before the job starts rather than after you have already subbed it out to somebody who owns one.
What sets the payment on a skid steer lease
There is no single price, because four things set the monthly payment. To estimate one, take the dealer's quote or the listing price, attachments included, and enter it in the equipment lease calculator for a range across 24 to 60 months. For a firm number, send the quote through the form below.
The whole setup, not just the loader
The machine plus its buckets, breaker, auger or mulching head, the trailer that hauls it, and delivery. A compact track loader usually costs more than a wheeled skid steer of the same size, so it finances a larger amount.
The term
Terms run from 24 to 60 months. A longer term lowers the payment, a shorter one costs more each month and less in total. Older or higher-hour machines usually carry a shorter term than new ones.
The end-of-term option
A $1 buyout lease or an equipment finance agreement ends with you owning the machine. A fair market value lease has a lower payment and suits a fleet that trades loaders on a fixed cycle.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
Lease to own a skid steer
Most owner-operators want to keep the machine, and two of the three structures end with you owning it. The full comparison is on types of equipment leases.
$1 buyout lease
Fixed payments for the term, then the skid steer is yours for one dollar. The usual choice when the machine will work for years after it is paid off.
Equipment finance agreement (EFA)
Works like a loan: you own the loader from the start and pay it off over the term, with no buyout at the end. Your accountant should confirm how either structure is treated for tax.
Fair market value (FMV) lease
The lowest payment of the three. At the end you return the machine, upgrade to a newer one, or buy it at its fair market value. Suits fleets that trade loaders before the hours climb.
John Deere, Bobcat, CAT, Kubota and other brands, from any dealer
We finance John Deere, Bobcat, CAT, Kubota, Case, Takeuchi, New Holland, JCB, Gehl and other skid steers and compact track loaders, new or used, from any dealer, auction or private seller. We pay the seller directly once the agreement is signed. American Capital Group is an independent finance company and is not affiliated with any of these manufacturers or their dealers.
Dealers and manufacturers sometimes run promotional financing on new machines of their own brand, and it is worth asking about. Those programs usually cover only new units that dealer sells. An independent lease can cover a used machine, a private sale, attachments from another vendor and the trailer on one agreement. Getting both quotes is the simplest way to compare.
Buying a used skid steer: what to check first
Used machines from a dealer lot, an auction or a private seller finance the same way as new. See used equipment financing for how it works. Before you bid or shake hands, check these.
- Hours. Read the hour meter and compare it with the machine's age and condition. Hours affect both the price and the term the machine can carry.
- Maintenance records. Ask for the service history: oil and hydraulic fluid changes, filters and any major repairs.
- Undercarriage or tires. On a track loader, look at track wear, sprockets, idlers and rollers. On a wheeled skid steer, check tread and rims.
- Title and lien check. Confirm the seller owns the machine and that any existing lien is paid off at the sale, especially on a private-party purchase.
- Inspection. Have the machine inspected, or inspect it yourself, before you commit. On used equipment the inspection stands in for a warranty.
What you need to apply
A one-page application
Up to $150,000 is usually decided on a one-page application without financial statements. Transactions start at $10,000. Start an application.
The equipment quote or listing
A dealer quote, the auction lot or the private-sale listing, with the make, model, year and hours, plus any attachments or trailer you want on the same agreement.
Time in business
How long the business has been operating. An established contractor or landscaper with its own history usually qualifies on the application alone.
Startups are considered
A new business is considered on the owner's personal credit and experience, so an operator going out on their own can still finance a first machine.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Skid steer financing questions
How much does it cost to lease a skid steer?
The payment depends on the total cost of the machine and its attachments, the term, the end-of-term option and the business applying. A used wheeled skid steer and a new compact track loader with a mulching head are very different agreements, so send the dealer's quote or the listing through the form on this page and we return payments for each term, usually the same business day. Transactions start at $10,000.
Can I lease to own a skid steer?
Yes. A $1 buyout lease or an equipment finance agreement leaves you owning the machine at the end of the term. A fair market value lease has a lower payment and lets you return or upgrade the machine at the end, or buy it at its fair market value.
Can I finance a John Deere skid steer from any dealer?
Yes. We finance John Deere, Bobcat, CAT, Kubota, Case, Takeuchi and other brands from any dealer, auction or private seller, and we pay the seller directly. We are an independent finance company, not a manufacturer program, so it is worth comparing our quote with any promotional financing the dealer or manufacturer offers.
What is the difference between skid steer and compact track loader financing?
They finance the same way, with the same application, terms and end-of-term options. The difference is the machine. A compact track loader usually costs more than a wheeled skid steer and is bought for soft ground, grading and landscaping, so the amount financed and the payment are higher.
Can you finance a used skid steer?
Yes. Used skid steer financing is routine. Dealer stock, auction buys and private-party machines all qualify. Older or higher-hour machines usually run a shorter term than new ones.
Can attachments go on the skid steer lease?
Yes. Buckets, breakers, augers, grapples, mulching heads and the equipment trailer can all be written into the same lease as the machine, even when they come from different vendors.
What do I need to apply for a skid steer loan?
Up to $150,000 is usually decided on a one-page application without financial statements. Send the dealer's quote or the listing for the machine and tell us how long the business has been operating. Startups are considered on personal credit and experience. Transactions start at $10,000.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.