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?>
Should You Finance Your Bulldozer? | Truck Loan Center
Bulldozers are expensive pieces of equipment that are virtually a must at a construction or demolition site. As such, loans and financing for bulldozers must be approached a little differently when compared to other heavy equipment vehicles on the market. It should also be noted that if you are buying new equipment from a dealer, are not part of a startup company, and have a credit score that exceeds 700, then the chances that you will be able to obtain a lower rate from your dealer is quite good.
However, in many cases, you will end up working with an equipment financing company or a bank. Here, we will discuss what financing a bulldozer will entail and whether it is the right decision for you.
Most Important Factors That Will Determine Your Leasing or Financing Costs
The most important factors that will determine how much your financing or leasing costs will be are how long you plan on financing the bulldozer for, as well as how long your business has been running for. Other pertinent factors include your personal credit history as well as whether you are planning on renting, leasing, or financing your bulldozer.
Which Option is Best For Me?
If you are unable to obtain financing for your bulldozer then renting may be your best option. However, the biggest issue with renting a bulldozer is that it will cost you significantly more when compared to financing. In some cases, it may end up costing you several hundred dollars a day to rent a used bulldozer for your projects, albeit this may actually be the most practical solution for you if you only require a bulldozer occasionally rather than routinely.
However, if you plan on using a bulldozer often to perform your work then the best option would be to either try to lease a bulldozer or obtain a loan for one. Evidently, if you happen to have the cash readily available then purchasing one outright may be best if you plan on using the bulldozer on a daily or semi-daily basis.
More often than not, what will end up making the biggest difference for the majority of enterprises is tax treatment. That is, you may be able to write off all of your bulldozer payments via a loan, or write off nearly half a million dollars off your bulldozer payments immediately by procuring a loan instead.
How Your Credit Score Will Impact Financing
In reality, it is your credit score that will have the most significant impact on what your financing rates will end up being. In other words, if you have a low or poor credit score then your rates will end up being higher, as you will be seen as a bigger financial risk to your lender. To further illustrate, let us imagine that you wish to procure a loan of $100,000 for a bulldozer, with a five-year term on the loan.
If you had a bad credit score, which may range from 600 to 620, then you would be expected to pay $3,000 per month for the bulldozer. As for a mediocre credit score, which may range from 621 to 650, your rate may be lower, at approximately $2,875 per month. Moving up to a decent credit score, which would likely range from 651 to 675, your monthly rate would be even lower at roughly $2,475 per month, while a good credit score (over 675) would allow you to obtain a monthly rate of $2,300, or even less in some cases.
In fact, a poor credit score may also require that you put down a down payment in order to obtain the necessary financing. In some cases, you may also need to offer collateral, such as your home, or other construction or demolition equipment, in order to qualify for the loan. However, your situation may differ, and most lenders will determine their terms on a case by case basis.
As for those who have a very poor credit score of sub-600, there may be some financing options available but the rates will be even higher in most cases. The good news is that if you have been able to demonstrate significant revenues via your financial history you may be able to compensate for any credit problems you are dealing with.
What About Startups?
If you own a startup or are part of one, then you may be wondering if you can qualify for bulldozer financing. The good news is many people who are just starting in the industry can qualify for bulldozer financing, but you will need to offer something to your lender in order to offset the risk. Examples may include significant assets and/or a stalwart credit score that can be leveraged to help a startup obtain bulldozer financing.
However, if you are part of a startup that has a poor credit history then you will need to either put down a substantial downpayment, or use your vehicles, machinery, and/or real estate assets as collateral to procure the loan. Another option would be to get someone with a superb credit score to cosign the loan in order to be approved for the loan.
Truck Loan Center
If you are in need of a truck loan or heavy equipment financing then we can help. We are one of North America’s most trusted heavy equipment financing establishments and have worked with thousands of clients in the industrial, transportation, manufacturing, and construction industries. Moreover, we also offer very flexible financing options, as well as the lowest interest rates on the market, as we have access to a myriad of lenders in the country.
If you would like to learn more about our easy approval process, our unrivalled interest rates, or our superior customer service, then please visit our website or give us a call at 1-866-230-0094 for a free, no obligation quote and consultation.
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