Aggregate handling, site material movement, and construction cleanup all run better with a mid-size wheel loader that fits the site and the crew. The Komatsu WA320 sits at about 17 metric tons with a rated payload of approximately 3.8 metric tons, making it the right size for operations where the 950-class loader would be too much machine and a compact unit could not keep pace with the material volume. Contractors who run aggregate piles, feed small batch plants, or handle material movement on mid-size construction sites choose the WA320 because it balances fuel economy, payload capacity, and maneuverability across the full range of tasks a site support loader handles. We finance WA320s for concrete and foundation contractors, site developers, and aggregate operations who need a dependable mid-size loader without overcommitting capital.
Many WA320 transactions qualify for application-only approval, closing in one to two weeks from a complete file.
What the Komatsu WA320 Does on the Job
The WA320 operates at approximately 37,000 to 39,000 pounds with a standard bucket capacity around 2.3 to 2.5 cubic yards. That payload and bucket size is well-matched for loading small concrete trucks, feeding a pugmill or portable asphalt plant, handling material at a ready-mix batch plant, or moving aggregate around a mid-size aggregate yard. The WA320's Z-bar loader linkage provides strong bucket fill force for digging into stockpiles, and the parallel-lift option delivers consistent bucket levelness through the lift arc, which matters for transferring aggregates or granular materials without spilling.
Komatsu's KOMTRAX machine monitoring system is standard on the WA320, providing remote monitoring of operating hours, fuel consumption, fault codes, and machine location. For contractors managing multiple machines across multiple sites, real-time fleet data helps catch service intervals before a machine goes down unexpectedly. Landscaping and hardscape contractors who run the WA320 for material delivery and hardscape base preparation value the machine's compact radius, which fits it into tighter residential site conditions.
- Operating weight: approximately 37,000-39,000 lbs
- Rated payload: approximately 3.8 metric tons
- Standard bucket: approximately 2.3-2.5 cubic yards
- KOMTRAX telematics standard
Financing a WA320
New WA320s from Komatsu dealers price in the $170,000-to-$210,000 range depending on attachments and options. Well-maintained used WA320s trade from $60,000 to $120,000 depending on vintage and hours. The entire used range and much of the lower new range fit within our application-only financing threshold, meaning clean credit files close on the application without bank statements.
We structure loans from 36 to 72 months. On a $90,000 used WA320 at a 60-month term, the monthly payment is manageable against nearly any working contractor's cash flow. A 36-month aggressive payoff structure cuts total interest significantly and builds equity faster for contractors who plan to resell after a project cycle.
For contractors comparing an equipment loan to an equipment lease on a WA320, the loan makes sense if you plan to keep the machine long term. The lease makes sense if you expect to upgrade the loader in three to four years and prefer not to negotiate a sale at that point.
Combining the WA320 with Other Equipment
A mid-size wheel loader rarely works alone on an active site. The WA320 pairs most naturally with a mid-size excavator in a site support role, where the loader moves material to trucks or stockpiles and the excavator handles the digging. A contractor who needs both can finance them as part of a fleet deal or as parallel single-machine notes. We structure both approaches.
The WA320 also fits in a fleet alongside a skid steer loader for tighter access work on the same site. The skid steer handles material in confined areas and around structures; the WA320 handles the volume loading and stockpile management at the periphery of the site.
For contractors whose operation has grown past a single WA320, the next step in the Komatsu lineup is the WA380 or the WA320 with high-lift configuration for specialized hopper-loading applications. We finance the full Komatsu wheel loader range.
Markets Where the WA320 Is Most Active
The WA320 shows up wherever there is steady material handling work at the mid-size scale. Aggregate and ready-mix operations in growing metros, construction sites in active residential and light commercial markets, and landscaping operations in high-growth cities all run the WA320 or a machine in its class. Contractors in San Antonio, TX and Raleigh, NC, both active residential and commercial construction markets, regularly finance WA320s for site support roles on ongoing development projects.
The WA320 is also a common choice for oil and gas site work contractors who need a mid-size loader for location pad preparation and site maintenance during drilling operations. The machine's maneuverability on improved dirt roads and its utility for gravel spreading and site cleanup on active well pads makes it a practical choice beyond the traditional aggregate and construction settings. Contractors in the Permian Basin and other active drilling regions finance WA320s for exactly this role. We handle oilfield support equipment financing alongside conventional construction equipment and treat them the same in the underwriting process.
