Kubota

Mehmi Financial Group helps businesses finance and lease Kubota equipment, including excavators, tractors and mini excavators, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Kubota units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.

About Kubota

Kubota began in 1890, when 19-year-old Gonshiro Kubota set up a metal foundry in Osaka, Japan, according to Kubota. The company moved into engines and agricultural machinery and today builds tractors, compact construction equipment and engines. Kubota Canada supports farm and construction customers across the country.

Kubota equipment on our list

Kubota appears on our eligible equipment list in both construction and agriculture: compact excavators such as the KX040-4, compact track loaders and wheel loaders, and tractors for farms, acreages and property maintenance.

How lenders view Kubota equipment

Kubota compact equipment and tractors are widely used and widely resold, which makes them comfortable collateral for lenders. Compact excavators and track loaders are assessed on hours, tracks and attachments. Tractors are assessed on horsepower, hours and implements. Because the machines are smaller, many Kubota deals are straightforward, and some lenders can finance a machine, trailer and attachments together.

Who finances Kubota equipment

Landscapers, municipalities, farms, rental companies and contractors all buy Kubota machines. Seasonal businesses may want payment schedules that match their busy months. Kubota's finance programs through dealers can be worth comparing with banks and independent lenders, especially for used units and private sales.

How Kubota equipment financing works

Most Kubota purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.

Kubota equipment we help finance

Financing Kubota excavators

Excavators are financed for site prep, utilities, demolition and trenching work. Lenders focus on hours, undercarriage wear, hydraulic condition and whether the machine has the right tail swing and attachments for your jobs. Mid-size crawler excavators have deep resale markets, which lenders like, while very large or highly customized units are reviewed more closely. Buckets, thumbs, hydraulic hammers and quick couplers can often be added to the financed amount when they are on the same invoice.

Kubota excavators on our eligible equipment list include Kubota KX040 Excavator, Kubota KX057 Excavator, Kubota KX121 Excavator and Kubota U55 Excavator.

Financing Kubota tractors

Tractors are financed for row crops, hay, livestock and property work, and for some construction and municipal uses. Lenders look at horsepower class, hours, transmission type and the implements bought with it. Payment schedules can often be matched to harvest or sales seasons. Used tractors with documented service history and common configurations are usually easier to place with lenders than rare or heavily modified units.

Kubota tractors on our eligible equipment list include Kubota M135GX Tractor, Kubota M5 Series Tractor, Kubota M7 Series Tractor and Kubota Tractor & Compact Equipment.

Financing Kubota mini excavators

Mini and compact excavators are financed by landscapers, utility contractors, plumbers and rental fleets. Because they are widely used and easy to resell, lenders tend to see them as straightforward collateral. Hours, track condition and attachment packages matter most. Many buyers finance a compact excavator together with a trailer, which some lenders will structure as one deal.

Kubota mini excavators on our eligible equipment list include Kubota KX040-4 Mini Excavator, Kubota KX057-5 Mini Excavator and Kubota U55-5 Mini Excavator.

What lenders check on a Kubota excavator

Lenders look at machine hours, service records, undercarriage or tire condition, and whether the unit is tied to contracts or a steady work program. Used machines with strong resale demand are usually easier to finance than specialized units.

Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and hours, and financial statements or tax returns for larger amounts.

See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.

All Kubota models with financing pages

Tax treatment of Kubota equipment

In Canada, power-operated movable equipment used to excavate, move, place or compact earth, rock, concrete or asphalt generally falls in CCA Class 38. Confirm the class for your exact asset with your accountant. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.

Can I finance a used Kubota mini excavator?

Yes. Compact excavators have a strong resale market, and lenders review hours, tracks and attachments.

Can I finance a Kubota tractor with a loader and implements?

Usually, if everything is on the same invoice.

Can a landscaper finance Kubota equipment with seasonal payments?

Some lenders offer reduced or skip payments in slow months.

Should I compare Kubota dealer financing with other lenders?

Yes. Dealer programs can suit new units, while independent lenders may suit used or private-sale machines.

Can a new business finance a Kubota machine?

Start-ups can be approved, often with a down payment, guarantor or contracts.

Can I finance a Kubota and a trailer together?

Some lenders will structure both in one deal.