Hitachi's Zaxis excavators have a dedicated following among contractors who care about hydraulic feel and boom control. The ZX-series machines run smoothly on tight utility work and production digging alike, and operators who run them tend to stick with them. Financing Hitachi equipment is straightforward because the residual values are predictable and the machines are well understood by commercial equipment lenders.
We finance ZX210 and ZX350 deals regularly, along with other Zaxis units across the lineup. New from a dealer, certified pre-owned, and used machines from private sellers and auction all have paths to funded deals through us. Minimum is $50,000, which most Hitachi excavator purchases clear easily.
Hitachi Zaxis: The Machines We Finance Most
Hitachi builds its Zaxis series around a Kawasaki hydraulic system that operators describe as responsive and precise, particularly in tight digging conditions where load sense matters. The ZX210 is a 21-metric-ton mid-size machine commonly used in utility excavation, drainage work, and residential to light commercial site prep. It fits the work that underground and sewer contractors do on a regular basis, where the trench has to be exact and the machine needs to handle varied soil conditions efficiently.
The ZX350 is a 35-ton production machine built for larger commercial earthworks, deeper excavation work, and situations where you need significant breakout force alongside good reach. It's a machine that shows up on infrastructure projects and large site development contracts where production yardage is the primary measure of the day.
Hitachi also produces purpose-built material handlers, and the ZX-series material handler variants are common at scrap yards, recycling facilities, and ports. If you're financing a specialized Hitachi unit for material handling rather than excavation, we handle that segment as well through our material handler financing path.
- ZX210: 21-ton mid-size Zaxis excavator
- ZX350: 35-ton production Zaxis excavator
- ZX-series material handlers: purpose-built for scrap, recycling, port applications
Getting a Hitachi Deal Closed
The application process for Hitachi equipment follows the same path as any commercial heavy equipment deal. Application-only up to approximately $400,000, meaning you fill out the application, provide the machine information, and we work the deal with our financing desk. Most applications come back with decisions in 24 to 48 business hours. Funding follows within one to two weeks.
Larger transactions or deals with credit complexity require three months of business bank statements and standard business documentation. The extra documentation adds a few days but doesn't fundamentally change the outcome for contractors who have the cash flow to support the machine.
Structure options include a standard equipment loan with fixed monthly payments and ownership at payoff, a lease for off-balance-sheet treatment, or a dollar buyout lease if you want lease payment structure but guaranteed ownership at the end. Each structure has a different tax treatment, so it's worth considering your accountant's input before committing to one.
What Qualifies for Hitachi Financing
Standard qualifications: a U.S.-registered business, the machine you're buying, and a completed application. Beyond that, the picture varies by credit profile and deal size. Strong-credit operators with established businesses typically qualify for the application-only path with minimal friction. Operators with B or C credit, thin bank history, or newer businesses qualify through our alternative-credit path, which focuses more on asset value, down payment, and the nature of the work you're doing.
Used Hitachi machines with higher hours can still qualify when the purchase price reflects the condition. A ZX210 at 7,000 hours bought at the right price is a better financing candidate than a newer machine at an inflated price. Lenders care about loan-to-value, so the number you're paying relative to what the machine is worth in the secondary market matters more than the hour count alone.
Utility and pipeline contractors running Hitachi equipment for trenching and excavation work on long-duration contracts often have strong qualifying profiles because their contracts represent committed future revenue, which gives lenders more confidence in the cash flow supporting the payment.
Refinancing and Sale-Leaseback on Hitachi Equipment
If you own Hitachi iron with equity in it, that equity can work for you. A Sale-Leaseback converts an owned machine into operating capital without removing the machine from service. You sell the equipment to a finance company, lease it back at a monthly payment, and the proceeds from the sale go into your business account. The machine keeps earning on the job while the cash funds a new project, a down payment on more iron, or working capital needs.
A cash-out refinance works on a machine you're still paying on: we pay off the existing note, place a new lien, and you receive the difference in cash. Both tools are available on Hitachi equipment and are particularly useful for contractors managing cash flow across multiple active projects.
Request Hitachi Financing Terms
Give us the Zaxis model, the price you're working from, and when the deal needs to close. We'll return structured terms you can compare and act on. One business day on most requests. Get the machine in your yard and billing.
