Capital for your next skid steer — Skid Steer Financing Pros
Get connected with lenders offering 2026 equipment loans for new and used skid steers, regardless of your current credit score.
Soft credit inquiry only. Applying does not affect your score.
- Operating lease
- Capital lease
- Soft pull
- Equipment age
- Utilization rate
- Loan-to-value
- Stipulation
- Debt-to-income
Construction equipment financing for skid steer and compact track loader buyers
Financing options matched to your situation, in one place.
- LOAN Equipment term loan Fixed monthly payments help you build equity in your machine over time.
- LEASE Capital lease Keep cash flow flexible with lower payments and a buyout option at term end.
- STARTUP New business funding Financing options designed for companies with less than two years in operation.
- BADCREDIT Bad credit equipment loans Lenders here prioritize equipment value over past personal credit struggles.
- $5K–$500K Available funding range
- 24–48 hours Typical approval speed
- 0% down Zero-down options
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No upfront costs
- We never charge borrowers fees for connecting with our lender network.
- Lenders provide transparent quotes without hidden origination costs.
2026 market rates
- Access competitive financing options tailored for 2026 construction budgets.
- Multiple lender quotes allow you to compare rates side-by-side.
Bad credit access
- Lenders focus on the collateral value of the skid steer itself.
- Past credit challenges do not automatically disqualify your application.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Limited operating history
Traditional banks often require three years of tax returns for loan approval.
Personal credit issues
Big banks use generic credit scoring models that ignore industry-specific realities.
Used equipment age
Many lenders reject loans for machines with more than 5,000 engine hours.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Concrete contractor
Upgrading to a new compact track loader for increased lift capacity.
Landscape business
Purchasing a reliable used skid steer for site preparation work.
Independent contractor
Financing a skid steer to handle winter snow removal contracts.
Excavation startup
Acquiring a fleet-ready track loader with zero down financing.
Protect your heavy equipment
Financing secures the iron, but insurance protects your investment. Talk to us about bundling equipment liability coverage with your next financing package.