The bid is on the desk and the job calls for a 20-ton machine. A CASE CX210 gives you roughly 48,000 lbs of operating weight, a net horsepower around 156, and a digging depth of about 20 feet on standard stick. That spec puts it squarely in the sweet spot for commercial site work, utility installation, and mid-size earthmoving. The question is not whether the machine fits the work. The question is getting the financing closed before the mobilization date.
We specialize in excavator financing from $50k on up. The CX210 lands in the $150k to $250k range depending on year, configuration, and hours. We structure deals as equipment loans, leases, or Sale-Leaseback arrangements on machines you already own. Credit from clean to challenged gets reviewed. Tell us the machine, the purchase price, and your three most recent bank statements, and we can usually have a decision in a day or two.
What the CX210 Is Built to Do
CASE built the CX210 around a Stage V FPT diesel engine with selective catalytic reduction. The hydraulic system uses a load-sensing, pressure-compensating setup that recovers swing energy and improves fuel efficiency compared to older constant-flow circuits. The cab features the CASE Advanced Cab design with an 8-inch touchscreen, rearview camera feed, and a structured cab that meets ROPS/FOPS standards. On a standard undercarriage, track gauge is adjustable for softer terrain, though most contractors run the fixed setup for maximum stability on solid ground.
The CX210 works well for site development contractors loading articulated trucks, trenching for utilities, and cleaning up footings. The 1.0 to 1.2 cubic yard bucket range hits the productivity curve that most mid-size grading and excavating jobs require. It is also a popular machine for demolition contractors who run a hydraulic breaker or a rotating shear, since the auxiliary hydraulic flow supports most sub-500-cfm attachments without a dedicated line kit.
Residual value on the CX210 holds well in secondary markets. CASE dealer networks are dense enough in most regions that parts availability and certified technician coverage are not a concern, which matters when a lender assesses collateral risk on a used unit.
New CX210 vs. a Used One: What Changes for Financing
A new CX210 from a CASE dealer typically carries manufacturer warranty coverage and can qualify for any term from 36 to 84 months. That warranty backstops the lender's collateral risk, which sometimes translates into better terms for a buyer with mid-range credit. For a buyer focused on Section 179 or bonus depreciation, a new machine financed before year-end produces the full deduction in year one, something a used unit can also do but at a lower cost basis.
A used CX210 with two to four thousand hours and a documented service history is still a strong financing candidate. We work with lenders who underwrite used equipment financing on CASE machines going back ten or more years, provided the hours are reasonable and the machine shows clean maintenance records. The monthly payment on a comparable used unit drops significantly, which matters for contractors who move from job to job and want to keep fixed costs tight. One caution: machines with blown undercarriage, cracked boom welds, or failed main pumps can face collateral discounts or declined titles, so a pre-purchase inspection on any high-hour unit is time well spent before submitting a package.
How the Process Runs
Our application-only path covers transactions up to about $400k. For a CX210 in the typical price range, most buyers qualify without a full financial disclosure, meaning no tax returns and no audited statements required at application. What we need is a completed one-page credit application, the equipment quote or invoice, and three months of business bank statements. Most approvals come back within 24 to 48 hours.
If your transaction is above the application-only threshold, or if the credit file has a story (thin business history, past liens, restructured debt), we pull the full package. That means two years of business returns, a personal financial statement, and sometimes a personal return. Those deals take a week to ten days from submission to term sheet, and another few days to close and fund. Either way, from first conversation to funded is usually one to two weeks for a straightforward deal. Contractors chasing equipment loan or equipment lease structures both fit within that window.
Credit and What We Look At
B and C credit is something we work with regularly. A contractor with a 620 credit score, steady revenue, and a year or more of operating history has a reasonable path to getting a CX210 deal done. The lender will look at time in business, average monthly deposits, and whether the existing debt load is manageable against the projected payment. Three months of bank statements gives us that picture quickly.
For newer businesses, the story depends on the owner's personal credit profile and any relevant industry experience the guarantor brings. A first-time operator with a strong personal score and a signed contract on a project is a workable file. A startup with no credit history and no contract has a harder road, but we can discuss startup equipment financing options that may fit. For operators who already own equipment outright, a cash-out refinance on a paid-off machine can also cover a CX210 purchase without adding a traditional loan.
Get a CX210 Quote Today
The machine is ready. The job is waiting. Submit your information and we will have a financing structure back to you within 24 to 48 hours. No pressure, no obligation, and no waiting weeks for an answer.
