Bobcat finance calculator

Our free bobcat finance calculator can help you estimate your monthly repayments when taking out finance.
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5 years
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5 years
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This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

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Calculate your bobcat finance payments

Bobcat equipment is a valuable investment for businesses operating in construction, landscaping, agriculture, utilities and material handling. Whether you are purchasing a skid-steer loader, compact track loader, excavator or telehandler, financing can help you acquire the equipment you need while preserving working capital.

Our Bobcat finance calculator helps you estimate monthly repayments, total interest costs and the overall cost of financing. Simply enter the equipment purchase price, deposit amount, finance term and interest rate to receive an instant estimate.

How does a bobcat finance calculator work?

A Bobcat finance calculator estimates your monthly repayments based on the amount borrowed, the interest rate and the length of the finance agreement.

By adjusting the purchase price, deposit and repayment term, you can compare different financing options and choose a solution that suits your business and cash flow requirements.

The calculator can help you estimate:

  • Monthly finance repayments
  • Total interest payable
  • Total borrowing costs
  • The impact of different finance terms
  • Potential savings from a larger deposit

Why finance Bobcat equipment?

Bobcat machinery is designed to improve productivity and efficiency across a wide range of industries. Financing enables businesses to invest in new or used equipment without making a significant upfront payment.

By spreading the cost over fixed monthly repayments, businesses can access the machinery they need while maintaining healthy cash flow.

Preserve working capital

Financing allows you to invest in essential equipment while keeping cash available for payroll, materials, fuel and other operating expenses.

Increase productivity

Modern Bobcat equipment can help businesses complete projects more efficiently, reduce manual labour and improve operational performance.

Benefit from fixed monthly repayments

Fixed repayments make budgeting easier and provide greater certainty when planning future business expenditure.

Expand your equipment fleet

Equipment finance allows businesses to grow their fleet as demand increases without placing unnecessary pressure on cash reserves.

Bobcat equipment commonly financed

Finance is available for a wide range of Bobcat machinery, including:

  • Skid-steer loaders
  • Compact track loaders
  • Mini excavators
  • Compact excavators
  • Telehandlers
  • Wheel loaders
  • Compact tractors
  • Utility vehicles
  • Zero-turn mowers
  • Attachments and implements
  • Sweepers
  • Augers
  • Buckets
  • Hydraulic breakers

Factors that affect your finance payments

Several factors determine how much you will repay each month.

Equipment purchase price

The cost of the equipment directly affects the amount borrowed and your monthly repayments.

Deposit amount

A larger deposit reduces the amount financed and can lower both monthly repayments and total interest costs.

Interest rate

Finance rates vary depending on your business profile, credit history, equipment type and lender criteria.

Finance term

Longer repayment periods can reduce monthly payments, although they may increase the overall cost of borrowing.

Who uses Bobcat finance?

Bobcat finance is widely used by businesses across many industries, including:

  • Construction companies
  • Groundworks contractors
  • Landscaping businesses
  • Agricultural businesses
  • Plant hire companies
  • Civil engineering contractors
  • Utility contractors
  • Property developers
  • Local authorities
  • Facilities management companies

Whether you are replacing ageing machinery or investing in additional equipment to meet growing demand, financing can help make the purchase more affordable.

Why use our Bobcat finance calculator?

Our Bobcat finance calculator provides a quick and simple way to estimate the cost of financing equipment before submitting a finance application.

By comparing different loan amounts, deposits and repayment terms, you can better understand your borrowing options and make informed investment decisions.

Whether you are financing a single skid-steer loader or expanding your fleet with multiple machines, our calculator helps you plan with confidence.

Frequently asked questions

Yes. Many lenders provide finance for both new and used Bobcat machinery, subject to the equipment's age, condition and valuation.

Deposit requirements vary between lenders. Some finance agreements require a deposit, while others may offer up to 100% funding for eligible businesses.

Finance terms commonly range from 12 months to 7 years, depending on the equipment type, loan amount and lender requirements.

Many lenders offer equipment finance to startups and newer businesses, although approval will depend on factors such as trading history, affordability and the applicant's overall financial position.

Most Bobcat machinery can be financed, including loaders, excavators, telehandlers, compact tractors, utility vehicles and a wide range of attachments.

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Disclaimer: Swoop Finance helps South African firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans or other finance products ourselves. We can introduce you to a panel of lenders, equity funds and grant agencies. Whichever lender you choose we may receive commission from them (either a fixed fee of fixed % of the amount you receive) and different lenders pay different rates. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Swoop Finance can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness. Swoop Finance (Pty) Ltd is registered with CIPC in South Africa (company number 2023/820661/07, registered address 21 Dreyer Street, Cape Town, South Africa, 7708).

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