Bobcat Finance - Low Rates for Contractors

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. Promotional rates are as low as 0-1.99% p.a. on select new Bobcat models (e.g., loaders, excavators, telehandlers, tractors) for eligible ABN holders, often over 36 months with a 10% deposit and no balloon payment (subject to credit approval and dealer offers which vary). General secured equipment loans offer competitive fixed rates from specialist lenders. Loan amounts range 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). Rates current as of March 2026; compare via platforms or brokers as RBA cash rate and promotions fluctuate. Interest rates effective 28/03/2026 and subject to change per ASIC guidelines.

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.

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 (currently up to $20,000 for eligible small businesses under 2026 rules), GST input tax credits on purchase, and ongoing depreciation deductions. Consult the ATO or your accountant regarding specific tax treatment for your circumstances as rules evolve.
• 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 are competitive and often fixed, with terms typically 1-7 years. Promotional offers on new Bobcat equipment may provide rates as low as 0-1.99% p.a. for eligible applicants.
• 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 are competitive and often fixed, with promotional rates as low as 0-1.99% p.a. available on select new models for eligible applicants. Terms typically 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 are competitive and fixed, typically slightly higher than new equipment finance.
• 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. Promotional offers typically require a 10% deposit. Used equipment generally 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