Telehandler Attachment-Package Financing
Finance a telehandler with its full attachment package as one deal. Buckets, forks, jibs, work platforms, and grapples. $50k floor, challenged credit, closing in roughly fourteen days.
Reach matters. So does what you hang on the end of the boom. A telehandler without a matched attachment package is half a machine, and buying the carrier separately from the tools that make it earn is a cash-flow mistake we see constantly. You end up with a solid reach machine but no bucket for dirt, no jib for the awkward pick, no work platform for the facade crew, and the attachments you need are sitting in a quote that never got funded.
We fund the whole package. Machine plus attachments, priced together, underwritten off three months of bank statements. One deal, one payment, one phone call to get it moving. The floor is $50,000, the sweet spot runs from $100,000 to $150,000 and up, and we close in about one to two weeks. challenged credit is fine. If you have the work and you have the machine picked out, we handle the paper so the whole rig shows up on site together.
What Goes Into a Telehandler Attachment Package
The most common packages we finance pair a fixed-frame or 4WD telehandler with three to five attachments that cover the range of work the machine is expected to do. For a residential framing crew that includes a set of pallet forks for lumber, a truss boom for roof package placements, and usually a work platform so the crew can get up to the eaves without a separate aerial lift. For a site-work operator, that same carrier might run a bucket for grading and cleanup and a grapple for debris.
Common attachments financed as part of a package deal include:
- Pallet fork carriages in fixed or telescoping configurations
- Utility buckets, cleanup buckets, and high-dump buckets
- Truss booms and single-point jibs for crane-style picks
- Personnel work platforms rated for one or two occupants
- Rotating grapples and bale handlers for ag and recycling applications
- Pipe handler and brick grab attachments for utility and masonry work
Quick-attach systems from manufacturers like SkyTrak, JLG, Manitou, and Genie allow swapping heads in a few minutes without tools, which is exactly why the package deal makes sense. A machine configured to run four heads earns in four operating modes.
If you want to dig deeper into individual attachment categories, the pages on telehandler jib and hook financing and telehandler grapple and bale-handler financing walk through each in more detail.
How the Package Deal Gets Funded
Most lenders want to write the machine note and let you figure out the attachments separately. That creates a problem: the attachments hit your credit line, your cash reserves, or they wait on a second approval that takes another two weeks. We structure the whole package as a single equipment financing transaction because that is how the purchase actually works at the yard.
The process is straightforward. You give us the machine's year, make, model, and hours, along with the list of attachments and their prices. We combine everything into one collateralized line, run it through application-only underwriting up to about $400,000, and deliver a decision fast. Packages under $400,000 do not require tax returns or financials, just the application plus the last quarter of bank statements. Above that threshold we may ask for a bit more but the process stays quick.
Structures available include a standard equipment loan where you own the iron from day one, a dollar-buyout lease if you want payments slightly lower and plan to keep the machine long-term, and an FMV lease if you prefer to return or upgrade after the term. Used packages qualify the same way new packages do, including units sourced at auction or from a private yard.
Who Buys a Full Package vs. the Machine Alone
The buyers who benefit most from package financing fall into a few clear groups. First are framing and roofing contractors who need the telehandler to do aerial material placement all day and cannot stop to source a truss boom or work platform separately. The machine has to show up configured and ready, or the crew stands around waiting.
Second are masonry and bricklaying contractors who run the carrier with a brick grab and a pallet fork in rotation, swapping heads between mortar courses and material delivery. These buyers know exactly what they need, they have priced it out at the dealer, and the only thing holding up the purchase is getting the full number funded.
Third are equipment rental companies adding a telehandler to their fleet specifically to rent it with a package. A rental unit that comes with three or four heads rents at a higher daily and weekly rate than a bare machine, and the package cost comes back fast in rental revenue. We understand that math and we underwrite the package the same way we underwrite any fleet unit.
Landscaping crews, concrete contractors, and general contractors running mixed residential and commercial work all land in this category too. If the machine is going to rotate between jobs and trade types, the package is the right call.
New Package or Used Package
A new carrier with OEM attachments carries a dealer warranty on both the machine and the heads, which matters on a work platform and on a truss boom where certification and load ratings are inspected on some job sites. A new JLG or SkyTrak with matched attachments runs between $80,000 and $160,000 depending on capacity and reach, squarely in the zone we fund most often.
Used packages come together a couple of different ways. Sometimes you buy the machine at auction and source the attachments from a dealer or private seller. Sometimes a rental company is selling off a unit with its full complement. Either way, we can fund the combined purchase as long as we can verify the iron. If you want to look at certified pre-owned units with known hours, the page on used telehandler financing and refurbished telehandler financing covers those situations in detail.
One real advantage of buying used with a package is that pre-owned attachments in good condition are a fraction of new price. A used SkyTrak 10054 in the 2,000-to-3,000 hour range with a set of pallet forks, a bucket, and a truss boom can often be assembled for $65,000 to $90,000. That keeps the payment comfortable and still puts the full working package on site.
Common Questions on Telehandler Attachment-Package Financing
Straight answers before you send the equipment file.
Can I finance attachments from a different manufacturer than the telehandler?
Yes. The attachment brand does not have to match the carrier brand. We collateralize the package as a whole, not by individual manufacturer. As long as the attachments have a verifiable market value and are compatible with the machine, they can be included in the deal.
What if I already own the telehandler and just want to finance the attachment package?
We can run a separate attachment-only deal if the values support it, though the minimum is still $50,000. Alternatively, if you have meaningful equity in the machine you already own, a cash-out refinance or sale-leaseback on the existing iron can free up cash to buy the attachments outright. Both paths work.
Will the lender require all attachments to be new, or can I mix new and used heads in a package?
Mixed packages are fine. Lenders primarily care about the collateral value of the overall package and the condition of the carrier. A new work platform on a used machine or used forks with a new carrier both qualify under normal underwriting.
How long do terms typically run on an attachment package deal?
Most attachment packages are financed on 48 to 60 month terms when bundled with the carrier, though shorter terms are available if cash flow supports higher payments. Longer terms keep the monthly number lower but cost more over time. We can run multiple scenarios so you pick the one that fits the job cycle.
I am buying from a private seller, not a dealer. Does that affect the package deal?
Private-party purchases are eligible under our auction and private-party program. We will need a bill of sale, verification of the equipment's condition and hours, and sometimes a third-party appraisal for machines above a certain value. The process takes a bit more documentation but the deal still closes in the same general timeframe.
Get Terms on Telehandler Attachment-Package Financing
Tell us what you are buying, who is selling it, and when you need it earning. We will review the file and point you to the next step.