Learn when skid steer attachments, delivery, warranties and setup costs can be included in financing for a Durham, NC equipment purchase.
A skid steer may be useless for the intended job without the right bucket, grapple, auger, forks or hydraulic attachment. Delivery can also add thousands of dollars when the machine is purchased outside Durham.
That creates a practical financing question: can the business finance the complete working package, or must it pay for the attachments and transportation separately?
Quick Answer: Yes, skid steer attachments and reasonable delivery charges may be included in a Durham, NC equipment financing request when they are disclosed upfront, directly related to the machine and clearly itemized. Physical attachments are generally easier to finance than delivery, warranties or services because they remain identifiable business assets.
Most commercially useful physical attachments can potentially be included when they are compatible with the skid steer and necessary for the borrower’s work. The complete package should be presented for approval before financing documents are prepared.
Common financeable attachments include:
These attachments expand the machine’s revenue-producing capabilities. A Durham landscaping company may need a grapple and soil conditioner, while a utility contractor may require an auger and trencher.
Credit will still review whether the attachment cost is reasonable relative to the skid steer. A $12,000 attachment added to an $85,000 machine presents a different collateral structure from $60,000 of highly specialized attachments added to a $35,000 used skid steer.
Businesses comparing equipment structures can review heavy equipment financing options.
Attachments are physical assets that retain some commercial value. Delivery is a one-time service that has no independent resale value after the skid steer reaches Durham.
This distinction matters because equipment financing is primarily supported by identifiable business assets.
If the borrower defaults, a bucket, grapple or trencher may be removed, identified and resold with the skid steer. The financing company cannot recover or resell a completed transportation service.
Delivery may still be eligible as a reasonable supporting cost. However, a financing company may limit how much freight, installation, warranty or other non-equipment expense can be added to the transaction.
The stronger the underlying machine and attachment value, the easier it is to consider reasonable delivery costs.
Potentially, yes. Transportation may be included when it is required to complete the purchase, reasonable for the distance and shown separately on the dealer invoice.
A local delivery charge from a dealer in the Triangle will usually be easier to evaluate than an unusually large cross-country transportation expense.
Provide the following information:
Do not wait until after approval to disclose the freight charge.
If the skid steer was approved at $90,000 and the final invoice becomes $98,000 after delivery, the financing company may need to review the increased request. This can delay contract preparation and funding.
The invoice should separately identify the skid steer, every attachment, delivery and any other cost the business wants considered. A vague package description can delay approval or funding.
The skid steer line should include:
Each attachment should have its own description and price. Include the manufacturer, model and serial number when one is available.
Delivery should also appear separately instead of being hidden in the equipment price.
A strong invoice could show:
This presentation tells credit exactly how much of the request represents the primary machine, additional hard equipment and transportation.
A single line reading “skid steer package - $102,000” does not provide the same clarity.
They may, but multiple vendors create additional documentation and funding steps. The cleanest transaction is usually one in which the dealer supplies the complete package on one detailed invoice.
If the machine and attachments come from separate vendors, the financing request may require:
Tell the financing company about every vendor at the beginning.
Do not submit the skid steer first and attempt to add a second vendor’s $20,000 attachment invoice after the contracts are signed. The additional equipment and exposure may require another approval.
In some transactions, the borrower may choose to finance the main machine and pay cash for smaller accessories. That approach can make sense when the second invoice is too small or administratively difficult to include.
Not always. Removable skid steer attachments can often be financed as separate equipment, but the financing company must be able to confirm what is being purchased and delivered.
A bucket, grapple or pallet fork attachment does not need permanent installation to function as part of the package. Credit may still require proof that the attachment was delivered with the skid steer.
Depending on the transaction, final funding conditions may include:
For specialized hydraulic attachments, the invoice should identify any required couplers, hoses, controls or electrical kits. A financed attachment that cannot connect to the machine does not create a complete working package.
Some fixed setup costs may be considered when they are necessary to connect a specific attachment to the skid steer. General shop labor and open-ended future work are more difficult to include.
Potentially supportable costs may include:
Ask the dealer to itemize parts and labor.
For example, a $6,500 high-flow hydraulic upgrade required to operate a financed mulcher is easier to explain than a $15,000 miscellaneous service charge with no defined scope.
The closer the work is to making the financed machine and attachment operational, the stronger the request.
An extended warranty may be considered when it is purchased with the skid steer, tied directly to the machine and clearly priced on the invoice. It is still a supporting cost rather than recoverable equipment.
Credit may review:
A fixed extended powertrain or hydraulic warranty is different from an open-ended repair allowance.
The financing company is less likely to include fuel, routine maintenance, tires, cutting edges, filters, operator wages or undefined future repair costs. Those are normal operating expenses rather than equipment acquisition costs.
Before financing a warranty, review whether it provides useful coverage. Spreading the cost over the financing term does not make a weak warranty more valuable.
No. Credit distinguishes durable equipment from items that wear out quickly or are consumed during normal operations.
A hydraulic grapple or trencher attachment can remain productive for years. Cutting edges, teeth, filters, lubricants and spare tires may be consumed or replaced much sooner.
Items more likely to receive equipment treatment include:
Items more likely to be treated as operating expenses include:
A small quantity of normal accessories may not create a problem. A package containing a large amount of consumable inventory can cause part of the request to be excluded or require a larger upfront contribution.
The skid steer remains the primary asset, so its condition and value drive the transaction. Strong attachments cannot compensate for a machine that is overpriced, excessively worn or unsuitable for the requested term.
Credit may consider:
For a used unit, provide recent photographs and maintenance records. Major repair invoices can help explain why an older machine remains commercially useful.
A tracked skid steer used in demolition or land clearing may experience different wear from a wheeled machine used mainly inside a warehouse or on finished surfaces. The intended application helps credit evaluate whether the package makes sense.
More equipment-specific information is available on the skid steer loader financing page.
A larger upfront contribution may be required when the package contains substantial delivery, warranty, labor or highly specialized attachment costs. Strong business credit and a well-supported equipment value can improve the available structure.
Consider two $150,000 requests.
The first contains a $120,000 skid steer and $30,000 of identifiable attachments. Nearly the entire request is represented by physical equipment.
The second contains an $80,000 skid steer, $20,000 of attachments and $50,000 of freight, training, service contracts and future repair credits. Much less of the request is supported by recoverable assets.
Credit will not view those packages as equivalent.
Factors that may influence the required contribution include:
Some qualified files may receive a low-upfront structure. Other transactions may require the borrower to cover delivery or part of the attachment cost directly.
Finance the attachments when they are essential to producing revenue and preserving cash is important. Pay cash when the accessories are inexpensive or including them would unnecessarily complicate the transaction.
Assume a Durham contractor is buying an $88,000 skid steer and needs $17,000 of attachments.
Paying cash for the attachments lowers the financed amount. However, it also removes $17,000 that could support:
The decision should be based on liquidity, payment capacity and how quickly the attachments will generate revenue.
Use the equipment financing calculator to compare the estimated payment on the skid steer alone with the complete working package. Results are estimates, and final terms are subject to credit approval and current market conditions.
Documentation depends on the amount requested, business profile and total existing exposure. A complete package helps prevent the delivery charge or attachment invoice from becoming a last-minute issue.
A financing request may include:
Credit will also want to know whether the skid steer is an addition or replacement.
A replacement may reduce repair expenses or eliminate rental costs. An addition should be connected to increased workload, a new contract or work the company plans to bring in-house.
Durham contractors operate in a growing market, but growth can also create pressure on labor, working capital and equipment availability. Financing a complete skid steer package can preserve cash for the operating costs that begin before a customer pays.
The U.S. Census Bureau estimated Durham’s population at 305,561 as of July 1, 2025. That was a 7.6% increase from the April 2020 estimates base, providing useful context for ongoing residential, commercial and infrastructure activity in the area. U.S. Census Bureau QuickFacts
Population growth does not guarantee revenue for an individual company. It does help explain why local grading, utility, landscaping and site-work businesses may need versatile compact equipment.
For businesses in construction and contracting, the skid steer itself is only part of the acquisition. The right attachments determine whether the machine can grade, clear, trench, drill, sweep, lift or handle materials on the next job.
A strong request explains the complete package, why every attachment is needed and how the business will support the payment.
Consider an established Durham site-services company replacing an older skid steer that has become unreliable.
The proposed purchase includes:
The dealer provides a detailed invoice with the skid steer’s year, make, model, serial number and hours. Each attachment is listed separately, and the delivery charge is clearly identified.
The business submits current bank statements and financial information. Its credit explanation notes that the grapple and auger will allow the company to perform clearing and post-hole work it currently subcontracts.
That file shows:
This gives credit a much clearer transaction than an unexplained invoice labeled “equipment package.”
Costs are more likely to be excluded when they are excessive, unrelated, poorly documented or added after approval.
Common problems include:
A simple rule prevents many of these issues: submit every dollar you want financed before the approval and documents are finalized.
Yes. A bucket purchased with the skid steer can generally be considered part of the equipment package. The dealer should itemize the bucket and identify its type, manufacturer and price. Approval depends on the complete business profile, machine value, equipment condition and requested financing structure.
Possibly, but an increased request may require another review and revised financing documents. The cleaner approach is to submit the delivered-cost quote from the beginning. Include the machine, attachments, buyer contribution, delivery, taxes and other requested costs in the original financing package.
Used attachments may be considered when their ownership, condition, compatibility and value can be established. Provide the manufacturer, model, serial number when available, photographs and a detailed invoice. Older or highly specialized attachments may require additional information or a larger borrower contribution.
Potentially. Separate vendors require separate invoices, verification and payment instructions. Tell the financing company about both vendors before approval. The attachments must be compatible with the skid steer, and each seller must provide acceptable documentation before funds can be released.
Applicable transaction taxes may be included in some structures when they are shown on the final invoice and reviewed as part of the total request. Tax treatment depends on the financing structure and transaction. Confirm the complete amount before documents are prepared and consult a tax professional for accounting advice.
A fixed warranty or dealer service plan tied directly to the financed machine may be considered. Fuel, lubricants, filters, routine repairs, operator costs and open-ended maintenance expenses are generally treated as operating costs rather than identifiable equipment.
The financing company may require commercial insurance covering the skid steer and financed attachments before funding. Give the insurance provider a complete equipment schedule, including attachment descriptions and values. Confirm whether the policy covers equipment during transportation, storage and operation away from the business location.
Attachments and reasonable delivery expenses may be included when the complete package is disclosed, itemized and supported from the beginning. Ask the dealer for a delivered-cost invoice showing the skid steer, every attachment, setup work and transportation separately.
For skid steer financing in Durham, NC, call (437) 777-5901 with the equipment quote and delivery details ready for review.
All financing is subject to credit approval, equipment review, documentation and current market conditions.
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