Bobcat built its name in the compact equipment market decades before most of the competing brands had a North American footprint. The orange cab is recognizable on every job site from residential landscaping to commercial demo, and that market presence means dealers are close, parts are stocked, and operators know the controls. Financing Bobcat compact equipment is one of the more predictable deals in our book because the brand carries consistent residual values and lenders are comfortable with it across the credit spectrum.
We finance the full Bobcat line. The E35 mini excavator handles the lightweight compact digging work, the E85 steps up for heavier compact excavation, the T770 compact track loader tackles material moving and grading, and the S650 skid steer covers the variety of attachment-driven work that keeps compact equipment so versatile on mixed jobsites. Our minimum is $50,000, which covers all of these machines new and most used units in good condition.
Bobcat Models: What Each Machine Earns
The E35 is a 3.5-metric-ton zero tail swing mini excavator aimed at work in tight spaces. Residential landscapers, fence installers, pool excavators, and underground utility operators who work in finished-yard environments depend on this class of machine. The zero tail swing means you can rotate next to a structure without worrying about swinging into it, which on tight residential work is not optional. It is the machine.
The E85 bumps up to 8.5 metric tons, which is no longer really a mini, more of a mid-compact that bridges the gap between the smallest excavators and full 20-ton machines. It handles heavier digging and deeper trenching than the compact units and is popular with septic and drainage contractors who need more capacity than a 3-4 ton machine provides without the footprint of a full-size excavator.
The T770 compact track loader is Bobcat's larger CTL, a machine built for material moving, grading, and attachment work in confined spaces. Contractors who run an excavator for digging and a CTL for material management often find the T770 to be the right pairing machine. It handles a wide range of work with the standard quick-attach system.
The S650 skid steer is a high-flow wheeled machine built for operators who run high-flow hydraulic attachments. It's common in agricultural environments, on site prep jobs, and in any operation where a tracked machine would cause damage to existing ground or pavement.
Who Finances Bobcat Equipment Through Us
Bobcat attracts solo operators and small crews more than most other equipment brands. The price point is accessible, the machines are versatile, and a single Bobcat compact excavator and skid steer can support a small landscaping or site prep business without a six-figure commitment on each piece. We work with a lot of operators in this range: landscaping and hardscape contractors, pool excavation crews, drainage specialists, and light commercial site prep operators who want to own their equipment instead of renting it every time.
First-machine buyers qualify through our startup and new-business financing path. More established operators running multiple Bobcat units often go through our standard application-only path, which closes quickly because the machines are at prices that fit easily within the $400,000 threshold for simplified underwriting.
New and Used Bobcat: The Value Comparison
Bobcat has a strong used market, and used units are plentiful at most machinery dealers and at auction. A 3 to 5 year old E35 or T770 with honest hours can be an excellent purchase because Bobcat machines are built to a reasonable standard of durability and the parts support is solid throughout the machine's life.
We finance used Bobcat through our used equipment financing path, including units from private sellers and auction. The auction purchase path requires the auction documentation and a title check before funding, but it is a real option for operators who find the right unit at the right price at a public sale.
New Bobcat machines qualify for full dealer warranties and the complete range of available financing structures. If the dealer is running promotional financing during a show or seasonal period, it's worth getting that number and comparing it to what we can offer through independent lenders.
Get Bobcat Financing Terms
Which Bobcat, what price, and when do you need it. Those three things get the conversation started. Submit your request now and we'll come back with terms structured for how that machine earns on your specific jobs. One business day response.
