Bobcat Equipment Refinancing

Bobcat machines are everywhere, and that ubiquity is exactly what makes them good collateral. A Bobcat S70 skid steer, a T770 track loader, a Bobcat mini excavator, these machines sell fast when they hit the secondary market. Lender confidence follows buyer demand, and buyer demand for Bobcat equipment runs deep. If your Bobcat iron has equity, we can turn it into cash in your account.

Bobcat refinancing shows up in two main situations. First, a contractor who owns Bobcat machines outright and wants to use that equity as growth capital without selling. Second, an operator who originally financed through Bobcat Finance and now wants to restructure to a lower rate, pull cash out, or both. We handle both, and we close faster than most operators expect.

Bobcat's product line spans skid steers, compact track loaders, mini excavators, telescopic handlers, and attachments. For refinancing purposes, the core machines are:

• S70 skid steer: The S70 is Bobcat's smallest skid steer, popular in landscaping, finish work, and tight-access jobs. High demand from small contractors keeps residuals solid.
• T770 compact track loader: The T770 is a high-flow machine capable of running demanding hydraulic attachments. Well-maintained T770 units carry strong equity especially in markets with active site-work demand.
• E35 mini excavator: The E35 is a versatile compact excavator with a broad buyer pool in landscaping, utility, and residential construction. Mini excavators across all brands hold value better than expected due to sustained demand.

The Bobcat brand benefits from Doosan's global manufacturing backing, which has strengthened parts availability and warranty support. That infrastructure keeps residuals firm and gives lenders comfort in the asset.

Landscaping and site-work companies running multiple Bobcat machines are common. A landscaping operation that owns three or four Bobcat track loaders free and clear has a fleet worth refinancing as a pool. The combined equity can fund a major equipment addition, a new commercial account startup cost, or an expansion into a new service area.

Landscaping and tree service operators are actually one of the better credit profiles for equipment refinancing, because Bobcat machine utilization in that sector is high and the cash flow tends to be seasonal but predictable. Lenders like predictable.

General contractors and utility operators who use Bobcat machines for specific phases of work also come to us. These operators often have Bobcat equipment that has been paid off while newer iron still carries debt. Refinancing the paid Bobcat machines to fund new equipment purchases is a common transaction structure.

Minimum transaction is $50,000. Bobcat machines often come in below that as individual units, which is why fleet or pooled transactions are the more common approach. A cluster of paid or low-lien Bobcat machines packaged together can easily reach a refinance-able total.

Small general contractors who use Bobcat compact equipment as part of a mixed fleet alongside larger machines also come to us. A contractor who runs a Cat 320 excavator, a Bobcat T770, and a Bobcat skid steer might refinance the paid Bobcat machines separately while keeping the Cat note as-is, or package all three in a single blanket refinance. The flexibility of pooling equipment across brands in a single transaction is a feature of our program that reduces friction for operators with mixed fleets. If the combined equity of the Bobcat machines and any other equipment clears the minimum, we can structure a single transaction covering the whole group. Skid steer refinancing and compact track loader refinancing are core parts of what we do, and Bobcat is the most common brand in those categories by a significant margin.

The mechanics are straightforward. We collect the machine list: models, years, hours, and any current lien balances. We run market data on each machine and establish a combined equity position. The advance is structured as a single note against the fleet with a single monthly payment.

For single-machine transactions, the advance is against that machine's individual equity. For fleet transactions, we often see better overall advance rates because the diversified collateral pool reduces per-unit risk. Either structure is available.

If you are currently paying on a Bobcat Finance note, we pay it off as part of closing. Any excess above the payoff goes to you. If the machine is free and clear, the full advance goes to you. The transaction closes with a lien filed against each machine included in the structure.

Looking at related financing options: equipment refinancing without cash-out is also available if the goal is simply a lower rate or longer term. Some Bobcat operators financed machines at dealer rates that were above market, and a rate reduction alone can free up meaningful monthly cash flow.

For operators with a fleet of Bobcat machines in multiple locations or on multiple job sites simultaneously, fleet refinancing is more efficient than handling each machine separately. We collect the full list, run valuations on all units, and structure a single advance against the combined equity position. The closing is one event. The payment is one monthly transfer. The paperwork is consolidated. Operators in high-growth markets who have been running Bobcat equipment through sustained construction cycles often have meaningful combined equity in their fleets even when individual machine values are modest. Pooling is the right move for those situations. A fleet of five paid Bobcat track loaders and skid steers that individually do not reach the $50,000 minimum can easily exceed $150,000 to $200,000 in combined equity, making the fleet transaction both eligible and worthwhile.

For operators with a fleet of Bobcat machines in multiple locations or on multiple job sites simultaneously, fleet refinancing is more efficient than handling each machine separately. We collect the full list, run valuations on all units, and structure a single advance against the combined equity position. The closing is one event. The payment is one monthly transfer. The paperwork is consolidated. Operators in high-growth markets who have been running Bobcat equipment through sustained construction cycles often have meaningful combined equity in their fleets even when individual machine values are modest. Pooling is the right move for those situations. A fleet of five paid Bobcat track loaders and skid steers that individually do not reach the $50,000 minimum can easily exceed $150,000 to $200,000 in combined equity, making the fleet transaction both eligible and worthwhile.

Bobcat machines are compact equipment. Smaller machines generally mean shorter maximum terms, typically 24 to 48 months for individual skid steers and track loaders. Larger Bobcat machines or fleet transactions may stretch to 60 months. The right term depends on how much you want to reduce the monthly payment versus how much you want to minimize total interest paid.

For transactions under approximately $400,000, we often work on an application-only basis. Documents needed: three months of business bank statements, machine list with basic details, and any current lien information. No tax returns required in most cases at that threshold.

B/C credit is workable on Bobcat equipment when the equity cushion is sufficient. A fleet of Bobcat machines owned outright and worth materially more than the requested advance gives lenders the protection they need to work with a challenged credit history.

These are the underwriting points the desk uses to turn the taxonomy page content into a real cash-out structure.