Construction Equipment Attachment Financing
Excavator, Loader & Dozer Attachment Financing
Hydraulic breakers, mulchers, thumbs, grapples, buckets and couplers for excavators, loaders, dozers and skid steers — financed on their own or with the machine.
Get a QuoteCall (888) 511-6223
Since 2004 · Over $250 million funded · Soft inquiry to start · All approvals OAC
Short answer: Construction equipment attachment financing lets contractors spread the cost of hydraulic hammers, forestry mulchers, grapples, buckets and other attachments over 12 to 60 months, new or used. Attachments can be financed on their own, added to an existing machine or bundled with a new excavator, loader or dozer, and many deals are approved on an application only.
The right attachment turns one machine into several. A breaker on an excavator wins demolition work, a mulcher wins land-clearing jobs and a set of forks turns a loader into a yard machine. But premium attachments are expensive — a large hydraulic hammer or forestry mulcher can cost as much as a used machine — and paying cash for them drains the money you need for payroll and fuel.
Liberty Capital Group finances attachments nationwide, from a single bucket to a full attachment package. Financing the machine too? See excavator, backhoe & bulldozer financing.
Attachments We Finance & Lease
Excavator attachments
Hydraulic breakers and hammers, thumbs, tilt and ditch buckets, compactors, shears, pulverizers and quick couplers.
Land-clearing attachments
Forestry mulchers, brush cutters, stump grinders, rakes and grapples.
Loader attachments
Forks, grapples, snow pushers, high-dump and multipurpose buckets and couplers.
Dozer attachments
Rippers, winches, blades and GPS/grade-control systems.
Skid steer & track loader attachments
Augers, trenchers, cold planers, tillers, breakers and grapples.
Demolition attachments
Shears, crushers, sorting grapples and multi-processors.
Who We Work With
- Excavation, grading and site-prep contractors
- Land-clearing, forestry and right-of-way companies
- Demolition and recycling contractors
- Utility, pipeline and trenching contractors
- Equipment and attachment dealers offering financing to their buyers
Financing an Attachment on Its Own vs. With the Machine
If you already own the machine, an attachment can be financed as its own deal, often on an application only. If you’re buying a new excavator, loader or dozer, bundling the attachments into the same transaction gives you one payment and one approval.
Attachment-only deals are usually smaller and faster. For high-dollar packages, lenders look at the machine it runs on and the work it will win.
- Stand-alone attachments: new or used, with terms that match the attachment’s life.
- Bundled with a machine: one approval, one payment; terms up to 72 months only on newer heavy equipment such as excavators and dozers.
- Used attachments: from dealers, auctions or private sellers; used equipment caps at 60 months.
Attachment Lease and Loan Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months on new and used attachments; up to 72 months only when bundled with newer heavy equipment such as excavators, dozers and loaders (used equipment caps at 60 months). All approvals are OAC.
Why Contractors Lease Attachments
Conserve cash
Keep your cash and credit lines for payroll, fuel, insurance and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and parts costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
- See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor or seller quote and the amount. It starts with a soft inquiry.
- Get approved, often the same or next business day on application-only deals.
- Sign documents electronically; we pay the dealer, upfitter or seller directly.
- Put the equipment to work. Your personal account manager stays with you for the next unit.
Related Financing
The machines your attachments run on.
Breakers, shears and demo machines.
Skid steers and compact track loaders.
Backhoe loaders for utility and site work.
Loaders, dozers, cranes and more.
Tiers, documents and application-only limits.
Attachment Financing FAQ
Can I finance an attachment by itself?
Yes. Attachments can be financed on their own for a machine you already own, often on an application only, depending on amount and credit.
What attachments can be financed?
Hydraulic breakers, forestry mulchers, thumbs, grapples, buckets, rippers, winches, augers, compactors, shears and quick couplers, among others, for excavators, loaders, dozers and skid steers.
Can I finance used attachments?
Yes, from a dealer, auction or private seller. Used equipment caps at 60 months.
How long can I finance an attachment?
Terms run 12 to 60 months. When attachments are bundled with a newer excavator, dozer or loader, terms up to 72 months may be available.
Is $0 down available on attachments?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Can I add an attachment to my existing equipment lease?
Usually as a separate add-on transaction. Good payment history on your current lease makes the approval easier.
Ready to Add Your Next Attachment?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.