Skid steers & compact track loaders
Skid steer financing for landscape crews
A skid steer is often the first machine that lets a crew stop hand-grading and start bidding bigger installs. Here is how financing one usually works.
For most landscape and hardscape companies, the skid steer or compact track loader (CTL) is the do-everything machine: grading base for patios, moving pallets of pavers, spreading topsoil, trenching with an attachment, and snow work in winter.
Wheeled skid steers cost less and are easier on hard surfaces. Track loaders float better on turf and wet ground, which matters on finished lawns, but cost more and wear undercarriage. Lenders look at both the same way: as a widely resold machine with a strong used market, which tends to make them easier to finance than niche equipment.
Budget
What it really costs
Ranges are general market ranges, not quotes. Prices vary a lot by region, size class, and season.
Machine
New wheeled skid steers often run from the mid-$30,000s to $70,000+; CTLs often $55,000–$110,000+ depending on size and options.
Attachments
Buckets, pallet forks, grapples, augers, and soil conditioners can add $2,000–$20,000+. Ask if they can be on the same invoice.
Trailer
You may also need a trailer rated for the machine weight. Budget it separately or see equipment trailer financing.
Ongoing
Insurance, tracks or tires, and service intervals. Lenders usually require the machine to be insured.
New vs. used
How the choice changes financing
new
- Manufacturer warranty and known hours
- Dealer promotional financing may exist — compare it directly
- Simpler for lenders to value
used
- Lower price for the same size class
- Lenders often ask for hours, year, and photos
- Some lenders limit the age or hours of used machines
Be ready
Questions lenders commonly ask
- 1How long has your business been operating?
- 2Is the seller a dealer, private party, or auction?
- 3Year, make, model, hours, and serial number
- 4How much are you putting down?
- 5What work will the machine do, and do you already own similar equipment?
From the seller
Vendor quote & invoice needs
- A written quote or invoice from the seller showing year, make, model, serial number (VIN for road units), price, taxes and fees.
- Attachment list with separate prices
- For used units: hour-meter photo and serial plate photo
We are not collecting documents right now. This list is to help you prepare.
Field tips
Before you sign anything
- Get the quote in writing before you apply anywhere — it is the first thing a lender will ask for.
- Price the trailer at the same time so the machine is not stuck at the dealer.
- Ask if attachments can be financed on the same contract.
FAQ
Common questions
Ready to plan your purchase?
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