What skid steers does TAC finance?

Wheel skid steers, compact track loaders (CTLs), and mini skid steers across every major brand — Bobcat, Caterpillar, Kubota, John Deere, Case, ASV/Terex, and JCB. Both new and used. We're brand-agnostic and finance any size from sub-1,000 lb rated operating capacity up to large-frame 100+ HP machines.

Can I finance a skid steer as a startup contractor?

Yes. Startup contractors with strong personal credit and a meaningful down payment can qualify. Prior trade experience helps. Expect 15-25% down on a used machine if you're sub-2 years in business. Many of our skid-steer clients are landscaping or excavation startups buying their first machine.

What's the typical skid steer financing amount?

Most TAC skid steer deals fall between $25,000 and $80,000. Used wheel machines typically $20K–$45K; used CTLs $35K–$70K; new high-spec CTLs $75K–$120K. We finance attachments (buckets, augers, grapples, snowblowers) along with the machine on a single contract.

What credit do I need to finance a skid steer?

We have programs across every credit tier — prime (700+), mid-tier (620-700), sub-prime, and prior BK. Skid steers are strong commercial collateral, which gives us flexibility on credit. The combination of credit, down payment, and operating history determines approval, not just the credit score alone.

Found the skid steer you want? Get pre-approved before you sign.

22 years funding skid steers and compact track loaders. Bobcat, Cat, Kubota, John Deere, Case — brand-agnostic, used welcome. Most of our skid-steer calls are from contractors who've already identified the machine at a dealer, and want to walk in pre-approved instead of stuck in the dealer finance company's queue. One application, programs across every credit tier, real person on the phone.

Pre-Qualify in 60 Seconds Call: (801) 332-9756

What we finance

Wheel skid steers — Bobcat S-series, Cat 200-series, Case SR/SV-series, Kubota SSV, John Deere E-series, ASV/Terex Posi-Track. Sub-compact through large-frame.
Compact track loaders (CTLs) — Bobcat T-series, Cat 250/260/270, Kubota SVL, John Deere G-series, Takeuchi TL-series. Steel-tracked and rubber-tracked.
Mini skid steers and stand-ons — Toro Dingo, Vermeer S-series, Bobcat MT-series, Boxer compact loaders.
Attachments financed with the machine — buckets, augers, grapples, brush cutters, snowblowers, trenchers, planers, pallet forks. Single contract, one pre-approval.

Who we fund

Contractors who've already found the machine. Whether it's at a Bobcat dealer — pre-approval in 24 hours so you can negotiate from a position of strength.
Landscapers, excavators, and demolition contractors adding capacity. Often the second or third machine on a growing operation.
Startup contractors with trade experience. First skid steer for a new landscaping or grading operation. Usually 15-25% down if sub-2 years in business.

What a typical skid steer deal looks like

The cleanest skid-steer deals on our desk follow a pattern: contractor with one to ten years of operating history, a specific used machine identified (often a 2019-2022 Bobcat T76 or Cat 259D3 at 1,500-3,500 hours), credit that's grown alongside the business, and a clear use — adding capacity, replacing an aging machine, or buying out from a rental.

That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have a "compact equipment" program at all. The dealer's finance company usually won't touch many used deals. We look at the same file and see a credit-worthy contractor with real revenue and a clear need for the machine.

When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller (or dealer) the same week.

If your operation looks like that — established or startup, with the machine identified — call us. We have programs built for exactly that profile.

Why TAC vs. one bank or the dealer's finance company

Most contractors take their skid-steer deal to their business bank first and get rejected for used. Then they try the dealer's finance company (CNH Industrial Capital, Cat Financial, Bobcat Finance) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.

Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at (801) 332-9756 is the same person who'll work your file through to funding.

Ready to talk about the machine you're buying?

Call (801) 332-9756 · Pre-qualify in 60 seconds

Tell us about the skid steer you're buying.

Three minutes on the phone and you'll know what your deal looks like.

What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★
“I have been in commercial truck sales since 1998 and have dealt with multiple finance companies over the years. I have been working with Spencer at Trust Alliance Capital for about 6 years now. Trust Alliance is my only alternative finance company in the industry. Spencer is absolutely the most personable and responsive person I have ever dealt with. Thanks for all you do.”
— David B., Greensboro NC · Truck Sales, 25+ years in the industry · worked with Spencer

★★★★★
“As a new startup, Logan helped me find the easiest financing with little hassle. The whole experience was awesome — especially the ability to walk into a dealership and negotiate a price knowing you have already been approved. Will go this route from now on.”
— Jason M., OK · New Startup · worked with Logan

Skid steer financing in every state

Same lender panel, same startup-contractor programs, same used-equipment structures — applied to your state's construction market, dealer network, and job mix. Click your state for local context.