Can attachments be included?

Attachments bought with the excavator can be listed on the same quote and described in your request. Whether a lender includes them depends on the lender and your qualifications.

Is a mini excavator financed differently from a larger one?

The process is the same. The amount, equipment value and term a lender considers may differ with machine size and condition.

Can I finance a used excavator?

Often, yes. Hours, condition and seller type affect whether a specific used excavator is accepted and on what terms.

Excavators

Excavator Financing

Excavators are among the most common machines contractors, utility crews and landscapers finance. This page covers mini and larger excavators, new versus used purchases and what to bring to a request.

Hydraulic excavator digging on a commercial construction site

We do not list model specifications or prices. The quote from your dealer or seller is what a lender reviews.

Excavators and related equipment

Mini and compact excavators
Mid-size and larger crawler excavators
Wheeled excavators
Buckets, thumbs, hammers and other attachments bought with the machine
Trailers used to haul the excavator

Whether attachments or trailers can be included is decided by the lender.

New and used considerations

New excavators usually come with a dealer quote listing the machine and any attachments.
Used excavators are reviewed on hours, condition, undercarriage wear and maintenance records.
A private or auction purchase may need extra documentation, and some lenders may not finance it.

Factors lenders review

Each lender weighs these differently. We do not publish credit-score cutoffs because none applies across lenders.

Credit profile and time in business
Revenue and how the machine supports your work
Machine size, age, hours and resale value
Down payment and requested term

Documents to prepare

None of these are needed to submit our request. A lender may ask for them later.

Equipment quote listing the excavator and any attachments
Serial number, hours and photos for a used machine
Recent business bank statements, if requested
Basic business details: legal name, state, time in business

How the application process works

Submit a pre-qualification request
Tell us the equipment, the amount and a few business details. The form does not ask for your SSN, bank login or documents.
Confirm details
A representative may contact you to confirm the request. A financing provider may then ask for documents such as a quote or bank statements.
Review any options
If a provider can work with the request, you review what it offers. You are not obligated to accept.
Complete the lender’s requirements
The lender or financing provider makes the credit decision and sets the terms. Ai Loan Brokerage LLC is a loan broker, not a direct lender.

Payment example (illustrative only)

$50,000 financed at an assumed fixed annual interest rate of 10% over 60 months gives approximately $1,062.35 per month under standard monthly amortization. Total payments are approximately $63,741; interest approximately $13,741.

Excludes fees, taxes and insurance. No down payment is included. This is not a quote, APR disclosure or approval offer. Your actual rate, term and payment are set by the lender.