Bobcat TL723 Telehandler Financing

Seven thousand pound capacity is the number that separates the TL723 from the lighter compact class. On a framing site, that capacity means you can pick a full pallet of 2x12 framing lumber, a bundle of OSB sheathing, or a truss package without getting close to the limits on the load chart. The 23-foot lift height clears the top plate of most three-story residential construction without the boom fully extended, so you have capacity left at height, not just at ground level.

The Bobcat TL723 uses the same Perkins diesel platform as the rest of the TL line. Hydrostatic drive gives you fine speed control on tight sites. The carriage accepts standard Bobcat attachment tooling, which means forks, a truss boom, a grapple, and a work platform all bolt up without adapter plates. That attachment flexibility is a real advantage when you are pricing a machine that will run multiple jobs with different material handling needs through the course of a season.

Outreach on the TL723 extends to roughly 13 feet horizontally at maximum height, which is enough to set trusses over the peak of a two-story wall without having to repositon the machine. That horizontal reach number matters more than most buyers realize until they spend a day on a job where the telehandler cannot get close enough to the building face to drop the load cleanly. The TL723's geometry handles it without a second approach. For buyers interested in construction telehandler financing at this capacity tier, it is a capable mid-range machine with a solid dealer support network behind it.

A straightforward equipment purchase on the TL723 looks like this: you bring us the dealer invoice or a purchase agreement if you are buying used, three months of business bank statements, and a completed one-page application. We review the file, come back with a rate and term, you sign the documents, and we fund the dealer or seller. Keys come to you, machine goes to work. That sequence takes one to two weeks from a clean submission.

Lease structures on the TL723 are common because the lower monthly payment preserves cash flow for operators who need the machine but also need to keep working capital available for materials and payroll. A fair market value lease lets you return the unit at term end or buy it at its then-current value. A dollar-buyout lease gives you ownership at term end for a nominal payment. Which one makes more sense depends on how long you plan to run the machine and whether your accountant wants the depreciation on your books.

Sale-leaseback is available if you already own a TL723 free and clear and want to pull equity out of it. We value the machine based on hours and condition, fund you against that value, and you make monthly payments from that point. The machine never leaves your yard. This structure works for operators who bought equipment with cash and now need that capital back in the business for another purpose. Sale-leaseback financing on well-maintained handlers is a regular part of what we do.

B credit means a score somewhere in the 580 to 650 range. C credit means lower, sometimes significantly. We write deals in both buckets when the rest of the picture is solid. Solid means: positive monthly cash flow in the bank statements, no open tax liens or active judgments, and a business that has been operating at least 12 to 24 months. Startups with no revenue history are harder. Established businesses with a credit blemish are doable.

The documents we need for a TL723 deal: completed application (one page, covers business info, equipment description, requested amount), three months of most recent business bank statements showing the primary operating account, and a copy of the invoice or purchase agreement. If you are buying at auction, we need the auction catalog description and the winning bid confirmation. That is the complete list. We do not send you a packet of forms to fill out or ask for customer references.

On a used TL723 from a private seller, we may ask for a copy of the title to confirm ownership chain. Some private sellers have a lien on the machine that has to be paid off before clear title passes. We handle these situations regularly. The payoff goes to the prior lienholder and the balance comes to the seller. Not unusual, not a problem. Used equipment financing on telehandlers with prior liens is something we navigate every week.