Equipment Financing
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Bobcat Equipment Financing — Complete Model Guide
Every S-series skid steer, T-series CTL, and E-series excavator with 2024 prices, used values, and equipment lenders terms. North Dakota made.
Key Facts: Bobcat Equipment Financing
- Parent Company: Doosan Bobcat / HD Hyundai | HQ: West Fargo, ND
- US Manufacturing: Gwinner, ND (SSLs/CTLs) | Bismarck, ND (excavators)
- OEM Financing: equipment lenders
- Price Range: $25,000 (S66) to $242,000 (E165)
- Best Seller SSL: S770 at $50,000–$65,000 | Best Seller CTL: T650 at $52,000–$67,000
- Attachment Ecosystem: 100+ attachment types — largest in compact equipment
- Used Market: Extremely deep — highest volume compact equipment brand on IronPlanet/Ritchie Bros.
About Bobcat Equipment
Bobcat Company (West Fargo, North Dakota) invented the skid steer loader concept in 1958 and remains the dominant brand in compact equipment globally. Despite ownership by HD Hyundai (formerly Doosan Infracore), Bobcat maintains genuine US manufacturing — S-series skid steers and T-series CTLs are produced at Gwinner, North Dakota, while E-series excavators are built at Bismarck, North Dakota.
For equipment financing, Bobcat carries several advantages: every lender in the US recognizes the brand, the enormous used market provides confidence in collateral recovery, and equipment lenders (BFS) offers streamlined OEM financing through the dealer network. When a lender sees a Bobcat on a loan application, they know exactly what it's worth at auction — which makes approval faster and sometimes results in better terms.
Bobcat Skid Steer Financing — All S-Series Models
| Model | HP | Rated Op. Capacity | New Price | Used Price | Notes |
|---|---|---|---|---|---|
| S66 | 66HP | 1,300 lbs | $25,000–$33,000 | $11,000–$16,000 | Entry-level residential |
| S70 | 23HP | 700 lbs | $27,000–$35,000 | $12,000–$17,000 | Smallest full-size |
| S76 | 74HP | 1,900 lbs | $31,000–$40,000 | $14,000–$19,000 | |
| S86 | 86HP | 2,100 lbs | $35,000–$45,000 | $15,000–$21,000 | |
| S96 | 96HP | 2,690 lbs | $39,000–$50,000 | $17,000–$23,000 | |
| S450 | 50HP | 1,400 lbs | $29,000–$38,000 | $13,000–$18,000 | Compact frame |
| S550 | 60HP | 1,650 lbs | $32,000–$42,000 | $14,000–$20,000 | Popular mid-size |
| S570 | 66HP | 1,900 lbs | $35,000–$45,000 | $15,000–$21,000 | |
| S590 | 66HP | 2,100 lbs | $38,000–$49,000 | $17,000–$23,000 | |
| S650 | 74HP | 2,200 lbs | $40,000–$52,000 | $18,000–$24,000 | |
| S770 | 92HP | 2,690 lbs | $50,000–$65,000 | $22,000–$30,000 | Best-selling large SSL |
| S850 | 98HP | 3,200 lbs | $58,000–$75,000 | $26,000–$34,000 | Largest Bobcat SSL |
Bobcat Compact Track Loader Financing — All T-Series Models
| Model | HP | Rated Op. Capacity | New Price | Used Price | Notes |
|---|---|---|---|---|---|
| T62 | 60HP | 1,300 lbs | $32,000–$42,000 | $14,000–$20,000 | Entry-level track |
| T64 | 64HP | 1,700 lbs | $38,000–$49,000 | $17,000–$23,000 | |
| T66 | 66HP | 1,900 lbs | $42,000–$54,000 | $19,000–$25,000 | |
| T76 | 74HP | 2,100 lbs | $46,000–$59,000 | $20,000–$27,000 | |
| T86 | 86HP | 2,200 lbs | $52,000–$67,000 | $23,000–$30,000 | |
| T550 | 60HP | 1,650 lbs | $39,000–$50,000 | $17,000–$23,000 | |
| T590 | 66HP | 2,100 lbs | $44,000–$56,000 | $19,000–$26,000 | |
| T630 | 74HP | 2,200 lbs | $49,000–$63,000 | $22,000–$29,000 | |
| T650 | 74HP | 2,400 lbs | $52,000–$67,000 | $23,000–$31,000 | Best-seller CTL |
| T740 | 83HP | 2,800 lbs | $62,000–$79,000 | $27,000–$36,000 | |
| T750 | 92HP | 3,175 lbs | $68,000–$87,000 | $30,000–$40,000 | |
| T770 | 92HP | 3,525 lbs | $75,000–$96,000 | $33,000–$43,000 | Large CTL |
| T870 | 104HP | 3,750 lbs | $82,000–$105,000 | $36,000–$48,000 | Largest Bobcat CTL |
Bobcat Mini Excavator Financing — All E-Series Models
| Model | HP | Weight | New Price | Used Price | Notes |
|---|---|---|---|---|---|
| E10 | 10HP | 1.0T | $28,000–$36,000 | $12,000–$17,000 | 28" width — fits through gates |
| E17 | 16HP | 1.7T | $35,000–$45,000 | $15,000–$21,000 | |
| E20 | 20HP | 2.0T | $40,000–$52,000 | $18,000–$24,000 | Zero tail swing |
| E26 | 24HP | 2.6T | $48,000–$62,000 | $21,000–$29,000 | |
| E32 | 24HP | 3.2T | $55,000–$71,000 | $24,000–$33,000 | |
| E35 | 24HP | 3.5T | $58,000–$75,000 | $26,000–$35,000 | Popular compact |
| E42 | 34HP | 4.2T | $70,000–$90,000 | $31,000–$42,000 | |
| E50 | 38HP | 5.0T | $80,000–$103,000 | $35,000–$46,000 | |
| E55 | 38HP | 5.5T | $88,000–$113,000 | $39,000–$51,000 | |
| E60 | 43HP | 6.0T | $95,000–$122,000 | $42,000–$55,000 | |
| E85 | 66HP | 8.5T | $118,000–$152,000 | $52,000–$68,000 | Full compact |
| E100 | 67HP | 10T | $132,000–$170,000 | $58,000–$76,000 | |
| E145 | 100HP | 14.5T | $168,000–$215,000 | $74,000–$97,000 | |
| E165 | 100HP | 16.5T | $188,000–$242,000 | $83,000–$109,000 | Largest Bobcat excavator |
Bobcat S770 vs Cat 272D3 vs John Deere 332G — Comparison
| Criterion | Bobcat S770 | Cat 272D3 | John Deere 332G |
|---|---|---|---|
| New Price | $50,000–$65,000 | $58,000–$72,000 | $56,000–$70,000 |
| HP | 92HP | 100HP | 100HP |
| Rated Op. Capacity | 2,690 lbs | 3,200 lbs | 3,200 lbs |
| Lender Recognition | Best (most recognized brand) | Excellent | Very good |
| Resale Value | Very strong | Strongest | Good |
| US Manufacturing | Gwinner, ND | Various US plants | Dubuque, IA |
| Attachment Ecosystem | Largest — 100+ types | Very large | Large |
| OEM Financing | equipment lenders | equipment lenders | JD Financial (seasonal) |
| Used Market Depth | Deepest — highest volume brand | Very deep | Deep |
| Best For | General use, best lender recognition | Heavy lift, best resale | Ag contractors |
equipment lenders — Financing Details
equipment lenders (BFS) operates as the OEM captive financing program for Bobcat equipment in North America. Applications are submitted through authorized Bobcat dealers and are typically processed same-day to next-day for established businesses.
Standard BFS loan terms run 36–72 months for new equipment. Promotional 0% financing is offered periodically — typically 0% for 36–48 months on select models during promotional periods aligned with trade shows and model year transitions. These offers require good credit (680+ FICO) and are limited to new Bobcat equipment purchased through dealers.
For used Bobcat equipment not purchased through a dealer, independent lenders including Beacon Capital Group, ENGS Commercial Finance, and First Western Equipment Finance provide straightforward financing — often with minimal documentation requirements, because Bobcat's brand strength and auction market depth reduce lender risk.
Financing Options for Bobcat Equipment
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | equipment lenders | New equipment, 0% promos | 36–72 months, 0% promos available |
| OEM Lease | equipment lenders | Short-term use, lower payments | 36–60 month FMV lease |
| Bank/Credit Union Loan | Regional banks, farm credit unions | Established businesses | 48–72 months, prime +1–2.5% |
| Independent Lender | Beacon Capital, ENGS, Crest Capital | Newer businesses, faster approval | 48–72 months, slightly higher rate |
| Fintech (under $25K) | Clicklease, Balboa Capital | Startups, low-doc approval | 24–48 months, higher rate |
| Section 179 Deduction | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance Bobcat Equipment?
Get matched with lenders who specialize in Bobcat skid steers, CTLs, and excavators — from S66 starter machines to T870 large CTLs.
Frequently Asked Questions — Bobcat Equipment Financing
Is Bobcat equipment American-made?
Yes. Despite being owned by HD Hyundai (Korean conglomerate), Bobcat manufactures its skid steer loaders, compact track loaders, and excavators at Gwinner, North Dakota and Bismarck, North Dakota. The North Dakota manufacturing makes Bobcat genuinely American-made, which matters to buyers who want US-produced equipment and to lenders who understand its domestic parts supply chain.
What financing does equipment lenders offer?
equipment lenders (BFS) is the OEM captive lender operating through authorized Bobcat dealers. BFS offers standard loans (36–72 months), FMV leases, and periodic 0% promotional financing (typically 0% for 36–48 months on select models). BFS processes applications quickly — often same-day approval for established businesses. Used Bobcat financing is also available through BFS for machines up to 10 years old purchased through the dealer network.
What is the best-selling Bobcat model?
The Bobcat S770 ($50,000–$65,000 new) is the best-selling large SSL (skid steer loader), with 92HP and 2,690 lbs rated operating capacity. It is the most popular configuration for larger commercial landscaping and construction operations. The Bobcat T650 ($52,000–$67,000) is the best-selling CTL. Both machines are widely available used, making lender approval straightforward.
How does Bobcat resale value compare to Caterpillar and John Deere?
Bobcat skid steers and CTLs hold very strong resale due to brand recognition and the massive used Bobcat market. A 3–5 year old Bobcat S770 or T650 retains approximately 45–55% of new value — similar to Caterpillar. Caterpillar edges Bobcat slightly in 5-year residual (especially on larger machines), but for compact equipment under $80,000, Bobcat's residual is comparable. John Deere compact equipment typically runs slightly below both.
What attachments does Bobcat have and do they affect financing?
Bobcat manufactures the largest attachment ecosystem in the compact equipment industry — over 100 attachment types including buckets, forks, augers, trenchers, brush cutters, cold planers, and grapples. Attachments add $2,000–$25,000+ to the purchase price and can be financed together with the machine as a package. Including high-value attachments in the loan increases total collateral value and can simplify the financing process vs. trying to finance attachments separately.
Can a startup company finance a new Bobcat?
Bobcat is one of the more startup-friendly brands for financing because: (1) it's widely recognized by all lenders, (2) the large used market means lenders have high confidence in collateral recovery, and (3) equipment lenders has startup programs. Typical startup terms include 10–20% down, personal guarantee, and possibly a higher rate than established businesses. For amounts under $25,000, Clicklease and similar fintech lenders offer startup programs with very light documentation requirements.