Bulldozers
Bulldozer financing
Bulldozers of every size class — small site dozers, mid-size crawlers, large earthmovers, LGP and wheel dozers — new or used, from a dealer, an auction or a private seller, with blade, ripper and grade-control packages financed on the same deal. Every credit profile considered, no blanket model-year rule.
- Small, mid-size & large crawler dozers
- LGP & wheel dozers
- Blade, ripper & GPS grade control included
- New or used, dealer or private seller
Updated September 15, 2026
How do I finance a used bulldozer?
Avanti Equipment Finance finances new and used bulldozers of every size class — small site dozers, mid-size crawlers, large earthmovers, LGP and wheel dozers — from a dealer, an auction or a private seller, with the blade, ripper and any GPS grade-control package financed with the tractor. There is no blanket model-year cutoff on a dozer: undercarriage condition, hours and the amount financed set the term. Every credit profile is considered on amounts from $20K to $500K+ with terms up to 72 months; machines under $300K usually fit app-only programs with no tax returns, larger dozers are structured with a financial package, and most applicants get a decision in as little as 24 hours.
10+
Years of experience
24-hr
Approval decisions
49
States served
72-mo
Terms available
Why finance with Avanti
A dozer is bought for the work nothing else does well — stripping and grading a site, building a pad, pushing fill, cutting a road, finishing a slope to grade. It's also a machine that lives on its undercarriage, and financing it well means looking at the iron the way an operator does. We finance dozers of every size class, new or used, from a dealer, an auction or a private seller, with the blade, ripper and any GPS or grade-control system financed on the same deal as the tractor. There is no blanket model-year rule on iron here: undercarriage condition, hours and the amount financed set the term, so a well-maintained older dozer is financed on its merits. Small and mid-size machines usually fit the app-only program with no tax returns; a large dozer over $300K gets structured properly with a financial package and a payment the machine can cover from the work it's bought for. Strong credit and a few years in business can mean $0 down; challenged credit usually means a down payment, and you'll know the number before you put a deposit on anything. Decisions come back in as little as 24 hours, and we coordinate direct payment to the seller.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Equipment
- New & used, any year
Which dozers we finance
Any crawler or wheel dozer built for pushing and grading, financed as one unit with its blade and attachments:
- Small dozers (under 100 hp) for site work, landscaping, residential grading and finish work
- Mid-size crawler dozers (100 to 250 hp) — the excavation and site-development workhorse
- Large dozers (250 hp and up) for mass earthmoving, mining, landfill and heavy civil
- LGP (low ground pressure) dozers for wet, soft and pipeline work
- Wheel dozers for stockpile, mine and high-mobility work
- Blade configurations — straight, semi-U, U, PAT (power angle tilt) and six-way — plus rippers and winches
- GPS and grade-control packages (machine control, mastless and mast-based systems) included in the price
- New units from a dealer, and used machines from a dealer, an auction or a private seller
The undercarriage is half the machine
On a used dozer, the undercarriage — track chains, pads, rollers, idlers, sprockets — can be 40 to 50 percent of the machine's value and the single biggest repair it will ever need. Two dozers with the same year and hours can be $40,000 apart because one has 20 percent undercarriage life left and the other has 80. Have it measured (a dealer or an inspector will give you a percent-worn figure for each component) and price the machine, and the financing, against that number.
There is no blanket model-year cutoff on a dozer here. Undercarriage condition, hours, service history and the amount financed set the term: a machine with a fresh undercarriage can carry a long term, one that needs tracks next season is matched to a shorter one or priced to reflect the work coming.
How a larger dozer deal is structured
A mid-size used crawler often lands under $300K, where app-only programs are usually available with no tax returns. A late-model mid-size or any large dozer runs past that line, and the deal is structured like the purchase it is: a financial package — the last two years of tax returns, a balance sheet, a P&L and bank statements — a term matched to the machine's working life, and a payment set from what the business earns.
Time in business, existing earthmoving revenue and work under contract all strengthen the file. Equipment you already own can be pledged to lower the cash at closing. A newer business buying its first dozer should plan on a meaningful down payment; you'll hear the exact expectation before you commit.
Used-dozer checklist
Beyond the undercarriage, the things that decide whether a used dozer is a bargain or a project:
- Percent-worn measurements on chains, pads, rollers, idlers and sprockets — in writing, per side
- Final drives and track adjusters — leaks, play, and whether the tracks hold tension
- Blade cutting edges, end bits and the push-arm or C-frame pins; cylinder rod scoring and seal weeping
- Ripper shank, tooth and cylinder condition if fitted
- Engine and transmission — cold start, blow-by, shifting under load, steering clutch or hydrostatic response
- Hour meter against telematics or service records
- Grade-control hardware and whether the receivers, display and subscriptions convey with the machine
- ROPS, cab glass, seat and controls — small items that add up on a rental-return machine
What to send us about the machine
A listing or a dealer quote lets us review the actual dozer instead of a price alone. Have these ready:
- Make, model, year, serial number and asking price
- Horsepower or size class, blade type, and hours
- Undercarriage measurements or a recent inspection report, if you have one
- Attachments and systems included — ripper, winch, grade control
- Dealer, auction or private seller's name and contact information
- The down payment you have available and your business start date
Documents depend on your application
You can start with a short application and the machine details. We will let you know what supporting documents your profile requires. If bank statements are requested, provide:
- Last 3 months of business bank statements — all pages, PDF downloads from online banking (no photos or partial pages)
How it works
1
Pick your equipment
Choose the truck or machine you need — from a dealer or a private seller, new or used.
2
Apply in minutes
A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.
3
Get a decision
Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.
4
Get funded
Sign, and we coordinate funding — usually within a few days — so your equipment can get to work.
Bulldozer financing at a glance
The program, stated plainly: what qualifies, what it takes, and what to expect.
| Equipment financed | New, used and higher-hour crawler dozers of every size class, LGP and wheel dozers, with blade, ripper and grade-control packages. The term is set by hours, condition and the amount financed — no blanket model-year cutoff. |
|---|---|
| Where you can buy | Dealers, auctions and private sellers. A private-party purchase gets the same terms as a dealer deal — the title, any lien payoff and direct payment to the seller are handled for you. |
| Credit profiles | Every profile — A-paper to challenged credit, thin credit, past (discharged) bankruptcy, and startups under two years in business. |
| Amounts and terms | $20,000 to $500,000+ with terms up to 72 months. |
| Down payment | Strong credit and time in business can mean $0 down. Challenged credit (under 600) typically pairs with 30–40% down; there is no blanket model-year rule on iron — hours and condition set the term. Owned, titled equipment can be pledged to lower the cash at closing, and you'll know the number before you put a deposit on anything. |
| Paperwork | App-only programs with no tax returns on many deals under $300,000. Over $300,000, plan on a financial package — two years of tax returns, a balance sheet, a P&L and bank statements. Bank statements are asked for on smaller deals only when the credit profile calls for them. |
| Decision and funding | Decisions in as little as 24 hours from a short online application. Avanti coordinates funding through its lending partners, paid directly to the seller — usually within a few days — for businesses in 49 states, fully remote. |
Frequently asked questions
What dozers can I finance?
Small, mid-size and large crawler dozers, LGP dozers and wheel dozers — new or used, from a dealer, an auction or a private seller. The blade, ripper, winch and any GPS or grade-control package are financed on the same deal as the tractor.
Is there an age cutoff on a used dozer?
No blanket model-year cutoff. Undercarriage condition, hours, service history and the amount financed set the term. A machine with a fresh undercarriage can carry a long term; one that needs tracks soon is matched to a shorter term or priced to reflect it.
How much down payment do I need for a dozer?
Strong credit and a few years in business can mean $0 down. Challenged credit or a newer business typically means a down payment, often 20 to 40 percent, and owned equipment can be pledged to lower it. You'll know the exact number before you commit to a machine.
Can I finance a used dozer bought at auction?
Yes. Auction and private-party purchases get the same terms as a dealer purchase. We verify the machine and the seller, handle the title and any lien payoff, and coordinate direct payment to the seller. Get the undercarriage measured before you bid.
Does the grade-control system count toward the financing?
Yes. GPS and grade-control hardware bought with the machine is part of the unit's value and is financed with it. Confirm that receivers, the display and any subscriptions convey with the sale.
What paperwork does a dozer deal need?
Under $300K, app-only programs are often available with no tax returns. Over $300K — common on a late-model mid-size or any large dozer — expect a financial package: the last two years of tax returns, a balance sheet, a P&L and bank statements.
Can a newer business finance a dozer?
Yes. Businesses under two years old are welcome. A first dozer usually means a meaningful down payment, and a smaller machine or existing dirt-work revenue makes the file stronger. We'll tell you where you stand before you put a deposit down.
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