Excavators
Excavator financing
Mini and compact excavators, mid-size and large tracked machines, wheeled and long-reach units — new or used, from a dealer, an auction or a private seller, with the attachments financed on the same deal. Every credit profile considered, no blanket model-year rule.
- Mini, compact, mid-size & large
- Attachments financed with the machine
- Hours and condition set the term, not a cutoff
- New or used, dealer or private seller
Updated September 15, 2026
Can I finance a used excavator with high hours?
Yes — Avanti Equipment Finance finances new and used excavators of every size, from mini and compact machines to large tracked and wheeled units, bought from a dealer, an auction or a private seller, with attachments such as thumbs, breakers and tiltrotators on the same deal. There is no blanket model-year cutoff: hours, undercarriage and hydraulic condition and the amount financed set the term, so a high-hour machine is matched to a shorter term rather than declined. Every credit profile is considered on amounts from $20K to $500K+ with terms up to 72 months; smaller tickets usually fit app-only programs with no tax returns, 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
The excavator is the machine that turns a bid into a job: site prep, utilities, foundations, demolition, the trench that has to be open by Monday. It is also the most-traded piece of iron in the country, which means the right used machine is out there at the right price, and the financing should be built to catch it. We finance excavators of every size, new or used, from a dealer, an auction or a private seller, with the thumb, breaker, buckets or tiltrotator on the same deal as the machine. There is no blanket model-year rule on iron here: the hours, the undercarriage and the amount financed set the term, so a well-kept older machine is financed on its merits. Smaller tickets and mini excavators usually fit the app-only program with no tax returns; larger machines over $300K get structured properly with a financial package. 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 so the machine gets on site.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Equipment
- New & used, any year
Which excavators we finance
Any excavator built for digging, lifting or demolition, financed as one unit with its attachments:
- Mini and compact excavators (under 6 metric tons) for landscaping, utilities, residential and rental fleets — the most common first machine
- Mid-size tracked excavators (7 to 25 tons) — the site-work and utility-contractor workhorse
- Large excavators (30 tons and up) for mass excavation, mining and heavy civil
- Wheeled excavators for road, rail and municipal work
- Long-reach, high-reach demolition and zero-tail-swing configurations
- Attachments — hydraulic thumbs, breakers, tiltrotators, compaction wheels, grapples, extra buckets and quick couplers — on the same deal as the machine
- New units from a dealer, and used machines from a dealer, an auction or a private seller
Hours and condition set the term, not the model year
Iron isn't a truck. There is no blanket model-year cutoff on an excavator here: a 2015 machine with 3,000 careful hours and a fresh undercarriage is a better collateral than a 2020 with 8,000 hard ones, and it's financed that way. What sets the term is the remaining working life — hours, undercarriage wear, hydraulic condition, service history — and the amount financed against the machine's value.
In practice that means a lower-hour used machine can carry the full 72 months, a high-hour unit is matched to a shorter term so the payment stays ahead of the wear, and a current inspection report from a dealer or a third party strengthens the file more than any single number on the spec sheet.
Financing a mini excavator
A mini excavator is the most common first machine — for a landscaper, a fence or utility contractor, a plumber tired of renting, or a new outfit bidding its first site work. The tickets are smaller, the machines hold value well, and most fit the app-only program with no tax returns.
Newer businesses are welcome; a startup should plan on a down payment, and a compact machine keeps that number reasonable. Buying at a dealer, an auction or from another operator all work. A trailer bought at the same time can be financed as one deal with the machine.
Used-excavator checklist
The expensive problems on a used excavator are the ones you can't see from the seat. Before you agree on a price, check or have an inspector check:
- Undercarriage — track chain stretch, sprocket and roller wear, idler condition; a worn-out undercarriage on a mid-size machine is a five-figure repair
- Slew ring play and swing motor — lift the boom and rock the house; any clunk is a conversation
- Hydraulics — cylinder rod scoring, weeping seals, hose condition, and cycle times under load
- Pins and bushings at the boom, stick and bucket — excessive play means the machine was run hard or dry
- Hour meter against telematics or dealer service records; a replaced meter is not unusual and is not a deal-breaker if the history is documented
- Engine — cold start, blow-by, DEF and emissions-system history on Tier 4 machines
- Cab, controls and any grade-control or attachment-management systems included in the price
What to send us about the machine
A listing or a dealer quote lets us review the actual excavator instead of a price alone. Have these ready:
- Make, model, year, serial number and asking price
- Operating weight or size class, and hours
- Attachments included in the price (thumb, breaker, buckets, coupler, tiltrotator)
- Dealer, auction or private seller's name and contact information
- Any inspection report, service records or undercarriage measurements
- 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.
Excavator financing at a glance
The program, stated plainly: what qualifies, what it takes, and what to expect.
| Equipment financed | New, used and higher-hour mini, compact, mid-size and large excavators, wheeled and long-reach units, with their attachments. 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 excavators can I finance?
Mini and compact excavators, mid-size and large tracked machines, wheeled excavators, long-reach and demolition configurations — new or used, from a dealer, an auction or a private seller. Attachments such as thumbs, breakers, buckets and tiltrotators are financed on the same deal.
Is there an age or hours cutoff on a used excavator?
No blanket model-year cutoff. Hours, undercarriage and hydraulic condition, service history and the amount financed set the term. A lower-hour machine can carry the full 72 months; a high-hour unit is matched to a shorter term. An inspection report strengthens any used-machine file.
Can I finance a mini excavator as a new business?
Yes. Mini excavators are the most common first machine, and businesses under two years old are welcome. Plan on a down payment as a newer business; a compact machine keeps that number reasonable, and most of these tickets fit the app-only program with no tax returns.
Can I include attachments in the financing?
Yes. A hydraulic thumb, breaker, tiltrotator, extra buckets and quick couplers bought with the machine are financed as one deal with one payment. A trailer bought at the same time can be included too.
Can I buy an excavator at auction or from a private seller?
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.
How much down payment do I need for an excavator?
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.
What paperwork does an excavator deal need?
Under $300K, app-only programs are often available with no tax returns. Over $300K, expect a financial package — the last two years of tax returns, a balance sheet, a P&L and bank statements. Decisions come in as little as 24 hours either way.
Related financing
- Construction equipment financingExcavators, dozers, loaders and skid steers, new or used.
- Bulldozer financingEvery size class of crawler and wheel dozer, blade and grade control included — undercarriage sets the term.
- Yellow iron financingLoaders, skid steers, backhoes, graders and rollers — hours and condition set the term, not a cutoff.
- Crane financingRough-terrain, all-terrain, crawler and carry-deck cranes — larger tickets structured properly.