Bobcat T770 and T870 Financing:
T770 & T870 Compact Track Loaders.

iLease Capital finances Bobcat T770 and T870 compact track loaders. Call (866) 545-3273 with the exact model, year, hours and seller quote before committing to the purchase. iLease Capital is an equipment-finance broker with 50+ lender relationships and can structure eligible transactions up to $5 million plus.

The direct answer is that bobcat t770 and t870 financing depends on generation, configuration and condition. Lenders evaluate hours, tracks, rollers, idlers, sprockets, cab, selectable joysticks, auxiliary flow, coupler, cooling system and Tier 4 Final system. Those details can move collateral value more than the brand badge.

Start your application at ileasecapital.com/apply, it takes about three minutes and there's no hard credit pull.

Models and Generations

This page focuses on T770 and T870.

These are Bobcat large-frame CTLs. T870 is larger and should not be treated as a slightly more expensive T770. Tier 4 Final condition, selectable joystick controls, enclosed cab and auxiliary flow matter. Verify standard versus high flow from the machine.

Generation should be verified from the serial number, model plate and actual features. Used listings sometimes use broad family names or omit suffixes. The financing file should use the complete designation.

A later generation can deserve a premium when it improves supportability, productivity or secondary demand. Newer is not automatically better collateral when a machine has heavy use or deferred service.

Current Used Market Pricing

Recent marketplace listings, as of September 2026, show T770 inventory asking about $27,500 to $82,500 across 2012 to 2026 machines, with examples near $39,900 (2012 and 2017), $47,500 (2022) and $67,500 (2024). T870 units run roughly $30,000 to $90,000+ depending on year, hours and hydraulic package.

These are current asking-price examples, not completed-sale values or formal appraisals. Region, condition, options, warranty and transport can move delivered cost. Asking prices shift with market conditions, call us at (866) 545-3273 for current pricing on a specific machine.

Construction-Specific Collateral Review

Hours alone do not establish value. The review should identify hours, tracks, rollers, idlers, sprockets, cab, selectable joysticks, auxiliary flow, coupler, cooling system and Tier 4 Final system.

Operate the machine through normal functions. Look for leaks, abnormal noise, active faults and evidence of deferred service. Compare the hour meter with service records when possible.

Tracked equipment needs an undercarriage review. Steel-track machines can require chains, rollers, idlers, sprockets and shoes. CTLs add expensive rubber tracks. A documented recent undercarriage can justify a premium.

Attachments and Configuration

Attachments and hydraulic configuration affect both productivity and resale. Itemize buckets, thumbs, couplers, blades, rippers, high-flow systems, forestry packages and grade hardware.

Verify that the machine is actually configured to operate the attachment being purchased. A hydraulic attachment shown in a photograph does not prove the carrier has the required flow or pressure.

Heavy-use applications deserve context. Forestry, demolition, quarry and mining work can expose machines to different wear than light grading or landscaping.

New Versus Used Equipment

New equipment usually provides a clean dealer invoice and known configuration. Used equipment can potentially be financed when the asset is identifiable and condition is supportable.

Used does not mean weak collateral. Popular models can have deep secondary markets. Dealer-refurbished or certified equipment may carry a premium for inspection, service or warranty. Document what that premium buys.

Compare delivered capability rather than comparing a new base price with a loaded used machine.

Dealer, Rental Return and Private-Party Purchases

Dealer transactions often provide stronger documentation. Rental returns can provide service history and fleet-standard configurations. Private-party purchases can offer value but require clear ownership and condition evidence.

For a private sale, confirm seller identity, serial number and ownership. Obtain a detailed purchase agreement. Resolve any existing lien before funding.

A seller's reputation does not replace equipment diligence.

Auction Purchases

Auction equipment can potentially be financed but deadlines are short.

Discuss the asset before bidding. Review buyer premium, deposit, final payment and removal deadline. Determine whether an inspection is available.

Add freight, rigging or permitted transport before setting a maximum bid. A low hammer price can become an ordinary acquisition after fees and logistics.

Pre-Purchase Inspection

A useful inspection focuses on expensive failure points.

Run the machine through normal functions. Review alarms, leaks, unusual noise, heat and service records. Verify the hour meter and major repairs.

Test the hydraulics, travel, steering or articulation and the attachments as applicable.

A third-party inspection can be worthwhile when the asset is remote or high value.

Comparing Two Candidate Machines

Compare year, generation, hours, configuration, maintenance, wear items, options, warranty and delivered cost.

A higher-priced machine can be the better acquisition when it includes a fresh undercarriage, recent hydraulic or final-drive work, valuable attachments or documented service. The premium should have evidence.

Do not compare a stripped machine with a loaded machine by model year alone.

What to Have Ready for Financing

Prepare manufacturer, exact model, year, serial number, purchase price, seller and equipment location.

Add current photographs, hours, service history and an option or attachment list. Separate freight, rigging, installation and training when applicable.

This lets an institutional funding partner understand what will actually be owned after closing.

Monthly Payment and Structure

Monthly payment depends on equipment, amount, term, borrower profile and transaction structure. iLease Capital does not present one universal rate.

Select the equipment based on operating fit first. Then evaluate the monthly payment for that actual asset.

Call (866) 545-3273 with the seller quote. iLease Capital can structure eligible transactions up to $5 million plus through its 50+ lender network.

Start your application at ileasecapital.com/apply, it takes about three minutes and there's no hard credit pull.

Collateral Value Versus Purchase Price

Purchase price and collateral value are related but not identical.

A dealer can charge more for warranty, service, low hours, inspection or valuable options. Those features can improve the acquisition without adding dollar-for-dollar liquidation value.

If price is above comparable listings, document why. If it is unusually low, determine whether condition, missing equipment or a short removal deadline explains the discount.

Documentation That Supports Value

Good records reduce uncertainty.

Keep preventive-maintenance reports, repair invoices, rebuild documentation and option lists. If a major component was replaced, provide the invoice and date.

Photograph the serial plate and hour meter. Photograph wear areas rather than only clean exterior panels.

Transport, Rigging and Delivery

Delivered cost matters. Large construction machines may require permitted transport, escorts or specialized trailers, and delivered cost should include freight and any site-access preparation.

Get logistics quotes before closing when transport is material. Distance can change the economics of two otherwise similar machines.

Insurance and Acceptance

Confirm insurance before shipment when required. Inspect the machine at delivery and match the serial number to the invoice.

Record transit damage immediately. Keep delivery and acceptance records. If the seller substitutes a different serial number or configuration, disclose the change before funding.

How to Read a Used Listing

Treat a used listing as the beginning of diligence.

Confirm photographs show the actual machine. Match model suffix, serial plate and hour meter. Ask whether advertised options are factory-installed, dealer-installed or accessories shown in photographs.

Look for inconsistencies between year, generation and seller description. Used listings can contain errors.

When a Premium Price Makes Sense

A premium can be rational for low documented use, valuable factory options, a recent major repair, strong service history or dealer-backed warranty.

Fresh paint alone is not refurbishment. A statement that a machine is loaded is not enough without an option list.

Compare the premium with the cost of adding or repairing the feature after purchase.

Replacement Versus Expansion

A replacement usually has a clear operating role because the business already owns similar equipment. Expansion can add capacity, work envelope or a new process.

Explain the operational purpose, where the machine will work and when it will enter service. Avoid relying on speculative future resale or unsupported production claims.

Protecting Future Resale Value

Keep manuals, service records, option documentation and major repair invoices. Maintain the asset on schedule and document upgrades.

When it is eventually sold, a complete history gives the next buyer a stronger basis for evaluating condition.

Why iLease Capital

iLease Capital is a broker with 50+ lender relationships, not a direct lender.

Specialized equipment should be presented accurately. Model, generation and configuration matter.

Call (866) 545-3273 before a seller or auction deadline so the financing discussion can use the actual machine.

Seller Questions Before Closing

Ask why the machine is being sold and when it last worked. Ask who serviced it and whether there are unresolved alarms, leaks or deferred repairs.

Confirm exactly what is included. Fixtures, tooling, buckets, attachments, probes, bar feeders, grade systems and other accessories should be listed rather than assumed from photographs.

Ask whether the seller will allow a reasonable inspection. If not, price the uncertainty into the acquisition decision.

Service History and Major Repairs

A maintenance history can change the way two similar machines should be viewed.

Request invoices for undercarriage work, engine work, hydraulic pumps, final drives, transmissions or other major components that apply. A verbal statement that something was rebuilt is less useful than a dated invoice that identifies the work.

Recent major service does not make the entire machine new. It does help explain condition and can reduce uncertainty around a costly component.

Market Liquidity

Secondary-market depth matters because specialized equipment has to appeal to another buyer if it is eventually sold.

Mainstream Cat, Deere, Bobcat, Kubota and Volvo machines benefit from recognizable model names. Liquidity still varies by configuration and geography.

A common machine in an unusual configuration can have a narrower buyer pool than a standard unit. That is why the exact option and attachment list belongs in the financing file.

Understanding Hours in the Used Market

Hours are one of the fastest ways to sort used inventory but they should not be used as a standalone valuation formula.

Two machines with the same hours can have very different histories. One may have accumulated steady production hours with scheduled maintenance while another may have spent its life in a severe application with repeated shock loads. Review hours together with age, service records, wear condition and application.

Meter integrity matters. If the display, control or instrument cluster was replaced, ask whether the original hours were preserved. Service invoices can help establish continuity.

The most useful comparison is between machines of the same generation and similar configuration. Comparing a loaded low-hour machine with a basic high-hour unit can produce a misleading price-per-hour conclusion.

Why Configuration Can Matter More Than Year

A newer machine is not always the more valuable acquisition.

Options can determine whether the asset can perform the buyer's work without immediate additional spending. A construction machine with high flow, the correct coupler, a healthy undercarriage and required grade hardware can be more useful than a newer base unit.

The buyer should calculate the cost and availability of adding missing capability after purchase. Some options can be added economically. Others require expensive hardware, software, plumbing or factory integration.

That is why the financing description should identify the actual configuration instead of relying on year and model alone.

Condition Versus Cosmetic Appearance

Paint and upholstery can make used equipment present well but they are not the expensive parts of the asset.

Focus diligence on hydraulics, drivetrain, undercarriage, structure and electronic systems that apply. Look for leaks, weld repairs, damaged guarding, unusual tire or track wear and evidence of collisions.

A professionally cleaned machine with complete service records is positive. Cosmetic work should not be mistaken for mechanical rebuilding.

Planning the First 90 Days After Purchase

Budget for the work needed to put the equipment into reliable service.

That may include transport, fluids, filters, wear parts, attachment setup and an initial dealer inspection.

Ask the seller what service is due next. A purchase price can look attractive until immediate maintenance is added.

Keeping a reserve for normal startup work can protect production and help the buyer avoid treating predictable maintenance as an unexpected failure.

Frequently asked questions