Financing

For Buying Bobcat Equipment

Bobcat Financial flexible lease programs, convenient credit and a rent-to-own plans are among the options available through many Bobcat® dealers to help buyers purchase Bobcat equipment.

These programs are offered by Ingersoll-Rand Financial Services, which has been assisting people in North America to become Bobcat owners for almost three decades.

Bobcat Solution Lease

You use the Bobcat Solution Lease for Bobcat loaders and many popular Bobcat attachments. It can offer cash flow, tax and accounting benefits. Two options are available in North America:

• Fair Market Value Lease features very low monthly payments. This 18- to 30- month lease offers either 600 or 800 total hours machine use per year. When the lease expires, you can buy the machine at its fair market value or return it to your dealer.
• Purchase Option Lease allows you to lease your Bobcat loader and many Bobcat attachments for 24 to 42 months. You know in advance the fixed purchase price if you decide to buy the equipment when the lease expires. Annual usage is limited to 800 hours.

Check with your tax consultant to determine any tax benefits of these leases. You may have other Bobcat lease options, too. Your dealer can help design a lease that best fits your needs.

Rental Purchase Contract

This program lets you enjoy the benefits of a Bobcat loader or excavator without making the financial commitment to buy it. If, after using the machine, you want to buy it, you can apply your rental payments to the purchase price. Usually you start by paying your dealer's normal rental rate. Once you decide to buy it, the remaining payments stay the same or drop. Another nice thing is that you complete the necessary financial paper work when you start the contract.

Four Plus Program

You can build equity in your Bobcat loader or excavator quickly with this program without making a down payment. You use cash generated by your Bobcat equipment to make slightly higher payments the first four months. After that, the payment amount usually decreases. Also, you may be able to return the machine to your dealer after the first four months and end your contract.

Skip Payment Program

This program can help match equipment payments to your cash flow when your Bobcat equipment work is seasonal. When your machine is earning you money you pay more. When the work slacks off you can skip or make very small payments up to three times a year.

First Time Buyer

This program may be for you, if you've been in business for less than three years or you have a satisfactory, but limited, credit history. You can use it to buy new Bobcat loaders and excavators or Bobcat equipment under two years old. For new Bobcat equipment, you can choose to pay 15 percent down or to pay the first and last two installments in advance.

Automatic Payment Plan

Here's how to avoid late payment charges and protect your good credit rating. It's quick and easy. Instead of writing a monthly payment check, your Bobcat Financial Services payment is paid automatically from your business checking account.

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