Can I finance an attachment without buying a machine?

Yes, though standalone attachment financing is more credit-sensitive than a carrier purchase. A clean payment history on existing equipment is usually what carries the file. Packaged with a carrier, the same attachment finances on much easier terms.

What is the minimum ticket you will finance?

Practically, around $15,000. Below that the documentation cost outweighs the benefit, and most operators are better served drawing on a line of credit.

Does the attachment need to match a machine I already own?

For financing purposes we want to know the carrier because hydraulic flow and mounting compatibility affect resale value. An orphaned attachment that fits nothing in your fleet is a weaker collateral position.

Are used attachments financeable?

Yes, from dealers or documented private sales. Expect a shorter term. Hydraulic breakers in particular need service history since internal wear is not visible on inspection.

Attachments & tooling

Construction Attachment Financing

Attachments are the cheapest way to add a revenue line to iron you already own. A mulching head turns an existing skid steer into a land-clearing business; a hydraulic breaker turns an excavator into a demolition subcontractor. The tickets are small relative to carriers, which is exactly why they get paid out of working capital they should not be paid out of.

Quick answer

Financing for hydraulic breakers, mulching heads, thumbs, augers, and specialty attachments. $15K to $750K, packaged with a carrier or standalone.

Price construction attachments financing

Two quick steps. An advisor responds within 24-48 hours.

The numbers on this asset

Typical unit cost

$14K hydraulic thumb – $95K forestry mulching head

Financed range

$15K – $750K (multi-attachment packages)

Term

24 – 60 months

Best structure

Packaged with a carrier purchase for the strongest terms

Who finances construction attachments

Land clearing operators adding mulching or grinding heads to an existing carrier fleet
Demolition contractors adding breakers, pulverizers, and shears for a specific scope
Utility contractors adding augers, compaction wheels, and trench boxes
Landscape and site crews adding grapples, brooms, and grading attachments across a skid steer fleet

Recent structure

Adding a revenue line to an existing fleet

A Tennessee site contractor with three owned skid steers wanted to bid utility right-of-way clearing, which required two forestry mulching heads at $78,000 each. Standalone attachment deals are typically the toughest small ticket in the category, but the contractor's two-year payment history on prior equipment carried the file. We placed $156,000 at 48 months with 10% down, approved in 19 hours. The clearing line generated its first invoice inside six weeks.

What underwriting actually looks at

Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.

Whether the attachment is bought alongside a carrier or standalone — packaged deals get materially better terms

The carrier it mounts to: hydraulic flow compatibility affects both usability and resale

Existing equipment payment history, which is usually the strongest item in a small-ticket file

Whether the attachment supports a named scope of work or general fleet flexibility

Construction Attachments financing questions

Other equipment we place

Earthmoving

Excavators & Heavy Equipment

$50K – $5M across a fleet package

Vocational trucks

Dump Trucks

$60K – $2M (single unit or fleet block)

Pre-owned & auction

Used Equipment

$25K – $4M

Get construction attachments financing priced

Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.

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