Wirtgen
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Mehmi Financial Group helps businesses finance and lease Wirtgen equipment, including construction equipment, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Wirtgen units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About Wirtgen
Wirtgen is a cold milling specialist; it launched the W 100 Fi, W 120 Fi, W 120 FTi and W 130 Fi compact milling machines in the USA.
Wirtgen equipment
Wirtgen milling machines, recyclers and surface miners are used by road builders and paving contractors.
What lenders look at
Paving lenders review road contracts, seasonality and machine hours, along with drum and tooth wear.
Financing Wirtgen equipment
Mills are often financed with seasonal payment structures.
How Wirtgen equipment financing works
Most Wirtgen 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.
What lenders check on a Wirtgen construction equipment
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 Wirtgen models with financing pages
| Model | Type | Category |
|---|---|---|
| Wirtgen | Equipment | Construction |
| Wirtgen Road Milling Machines | Equipment | Construction |
| Wirtgen (surface Miner) | Equipment | Forestry |
| Wirtgen W 100 Cfi Milling Machine | Equipment | Construction |
| Wirtgen W 200 Milling Machine | Equipment | Construction |
Tax treatment of Wirtgen 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.
End-of-term options on a Wirtgen lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances Wirtgen equipment
Construction: general contractors, excavation and site-prep firms, road builders, utility contractors, landscapers, demolition companies and equipment rental fleets finance Wirtgen equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and hours?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed Wirtgen equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance a Wirtgen milling machine?
Yes.
Can I finance a used Wirtgen mill?
Yes.
Are seasonal payments available?
Some lenders offer them.
Can a surface miner be financed?
Yes.
Do road contracts help?
Yes.
Is Wirtgen part of a group?
Yes, the Wirtgen Group.
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