By the Loan Phone team Reviewed by Anthony Moncada, M.App.Fin, Cert IV Finance & Mortgage Broking
Quick Answer
Bobcat equipment finance enables Australian contractors, builders, and landscaping businesses to acquire skid steer loaders, compact excavators, and attachments through flexible lending structures. Rates typically range from 7-13% p.a. (indicative only) with loan amounts from $15,000 to $200,000+ and terms of 1-7 years. Modern comparison platforms provide fast access to specialist equipment lenders, with settlements possible within days for straightforward applications. Most lenders require minimum 12 months trading history and active ABN, though specialist providers may consider newer businesses with strong work pipelines. Chattel mortgage structures offer potential tax benefits including GST credits and depreciation deductions (subject to individual circumstances).
Your landscaping business has outgrown hired equipment—you’re paying $2,500 per week for a skid steer you use daily. Owning your own Bobcat through equipment finance could cost less than rental while building business equity.
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Why Finance Bobcat Equipment?
Bobcat skid steer loaders, compact excavators, and attachments represent significant capital investment ($60,000-$180,000+ new). Equipment finance enables immediate acquisition without depleting working capital needed for ongoing operations, materials, and payroll.
- Preserve Working Capital: Maintain cash reserves for unexpected expenses, seasonal variations, or growth opportunities rather than consuming capital in equipment purchases.
- Tax Efficiency: Chattel mortgage structures may provide instant asset write-off eligibility (for assets under applicable thresholds), GST input tax credits on purchase, and ongoing depreciation deductions. Consult your accountant regarding specific tax treatment for your circumstances.
- Operational Flexibility: Own equipment rather than relying on hire availability during peak periods. Build business value through asset ownership while controlling replacement cycles.
For detailed equipment finance information, review our equipment finance guide.
Popular Bobcat Equipment Financed
- Skid Steer Loaders: Compact wheeled loaders (S70-S850 series) suited to construction, landscaping, and agricultural applications. Finance typically $45,000-$120,000 for new units depending on model and attachments.
- Compact Track Loaders: Tracked versions (T70-T870 series) providing superior traction and flotation for soft ground conditions. Higher purchase prices ($55,000-$140,000) reflecting enhanced capability.
- Compact Excavators: Mini excavators (E10-E85 series) ideal for tight access excavation, trenching, and demolition. Finance commonly $30,000-$150,000 depending on operating weight and specifications.
- Attachments and Implements: Buckets, forks, augers, brooms, trenchers, and specialty attachments. Individual attachment finance typically $5,000-$30,000, often combined with primary equipment purchase.
- Telehandlers: All-terrain forklifts (TL25-TL43 series) for material handling in construction and agriculture. Finance typically $80,000-$200,000+ for new units.
Bobcat Finance Structures
- Chattel Mortgage: Purchase equipment immediately with loan secured by equipment itself. Own from day one with potential tax benefits including GST credits, interest deductions, and depreciation claims. Most popular structure for businesses using equipment primarily for income-producing activities. Rates typically 7-11% p.a. over 1-7 years.
- Review chattel mortgage structures for comprehensive tax and ownership information.
- Finance Lease: Lender owns equipment during lease term with purchase option at end. Rental payments are operating expenses. Rates typically 8-12% p.a. with terms 2-5 years.
- Commercial Hire Purchase: Similar to chattel mortgage but with different legal structure. Ownership transfers at end of term rather than immediately. Rates typically 8-12% p.a.
- Rental/Operating Lease: Long-term rental with no ownership intention. Equipment returned at lease end. Useful for businesses requiring equipment short-term or wanting regular upgrades.
New vs Used Bobcat Finance
New Equipment:
- Finance readily available up to 100% purchase price
- Manufacturer warranties provide protection
- Latest technology and efficiency
- Rates typically 7-11% p.a. over 5-7 years
- Higher depreciation in early years
Used Equipment:
- Lower purchase prices ($25,000-$80,000 typical)
- Finance typically available for units up to 10 years old
- May require larger deposits (10-30%)
- Rates slightly higher (9-13% p.a.)
- Terms typically 1-5 years
- Equipment condition and hours critical to assessment
Compare excavator finance options for similar compact equipment funding.
Frequently Asked Questions
Can I finance attachments separately from the main unit? Yes, attachments can be financed independently if purchasing after initial equipment acquisition. Minimum loan amounts typically $5,000, with attachments financed over 1-3 years. Many businesses include anticipated attachments in initial equipment purchase to maximize financing efficiency and minimize overall borrowing costs.
What deposit is required for Bobcat equipment finance? New equipment finance often requires no deposit (100% finance available), particularly for established businesses with strong financials. Used equipment typically requires 10-30% deposit depending on age and condition. Larger deposits may secure better rates and improve approval likelihood for businesses with limited trading history.
Do lenders finance demo or ex-rental Bobcat equipment? Yes, demo units and ex-rental equipment are commonly financed. These units typically show 100-500 hours and come with balance of manufacturer warranty. Finance treats them as “near-new” with terms and rates closer to new equipment than older used units. Excellent option balancing cost savings with equipment condition.
Speak with Specialists
Need expert guidance on your Bobcat equipment finance application? Email: loans@loanphone.com.au Website: www.loanphone.com.au
Related Resources
Explore these related guides for business owners and ABN holders:
Disclaimer: This article provides general information only and should not be relied upon as financial or tax advice. Rates, terms, and eligibility vary by lender and individual circumstances. Tax benefits are subject to your specific business structure and circumstances. Always seek independent professional advice from a qualified accountant and financial adviser before making financing decisions.
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Last updated: 2025-10-28