Equipment Financing
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Axiant Partners finances all major excavator brands — Hitachi, Komatsu, Cat, Doosan, and 200+ more. 0% down available for qualified borrowers. Terms 36–84 months.
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Hitachi Excavator Financing — Complete Model Guide
Every ZX-series excavator from the ZX17U mini (1.7 tons) to the ZX870 large (87 tons) with 2024 prices, used values, and Hitachi Capital America terms. Includes the Hitachi-John Deere joint venture explained.
Key Facts: Hitachi Excavator Financing
- Manufacturer: Hitachi Construction Machinery Co. Ltd. | HQ: Tokyo, Japan
- US Joint Venture: Hitachi-Deere partnership since 1988 — many ZX models sold as John Deere G-series
- OEM Financing: Hitachi Capital America (HCA) | also John Deere Financial (Deere-badged versions)
- Price Range: $32,000 (ZX17U) to $800,000+ (ZX870LC)
- Best Seller Compact: ZX85US-6 at $88,000–$118,000 | Best Seller Mid: ZX210LC-7 at $225,000–$285,000
- Lender Recognition: Very good — top-tier alongside Komatsu and Cat
- Used Market: Very deep — strong auction presence on IronPlanet and Ritchie Bros.
About Hitachi Construction Machinery
Hitachi Construction Machinery is a subsidiary of Hitachi Ltd., the Japanese industrial conglomerate, and has been manufacturing hydraulic excavators since 1965. Hitachi's ZX-series (Zaxis) excavators are recognized globally for hydraulic performance, fuel efficiency, and operator comfort. In North America, Hitachi operates through a dual-channel distribution strategy: authorized Hitachi dealers sell ZX-branded machines with Hitachi Capital America financing, while the longstanding John Deere joint venture means equivalent machines are also available in John Deere livery through the Deere dealer network.
The Hitachi-Deere joint venture, formalized in 1988, is one of the longest-running OEM partnerships in the construction equipment industry. The arrangement allows John Deere to offer excavators without manufacturing them independently, while Hitachi gains access to Deere's unmatched US dealer network of 1,700+ locations. For buyers, the practical result is flexibility: the same machine in different colors, with different branding, different dealer relationships, and different OEM financing programs. Both versions hold equivalent resale values and receive identical treatment from independent lenders.
Hitachi excavators are widely recognized by US equipment lenders. The ZX-series appears regularly in IronPlanet and Ritchie Bros. auction results, giving lenders solid current market data for underwriting. This translates to competitive approval rates, favorable LTV ratios, and competitive interest rates for borrowers purchasing Hitachi equipment.
Hitachi ZX-Series Excavator Model Table
| Model | Weight Class | HP | Bucket Capacity | New Price | Used Price |
|---|---|---|---|---|---|
| ZX17U-6 | 1.7T | 13HP | 0.03–0.06 cy | $32,000–$46,000 | $13,000–$22,000 |
| ZX26U-6 | 2.6T | 21HP | 0.04–0.09 cy | $38,000–$54,000 | $15,000–$26,000 |
| ZX35U-6 | 3.5T | 24HP | 0.05–0.12 cy | $45,000–$62,000 | $18,000–$30,000 |
| ZX55U-6 | 5.5T | 40HP | 0.10–0.20 cy | $62,000–$84,000 | $25,000–$41,000 |
| ZX85US-6 | 8.5T (zero swing) | 60HP | 0.18–0.33 cy | $88,000–$118,000 | $36,000–$58,000 |
| ZX135US-7 | 13.5T | 103HP | 0.35–0.68 cy | $148,000–$188,000 | $61,000–$94,000 |
| ZX210LC-7 | 21T | 158HP | 0.72–1.15 cy | $225,000–$285,000 | $92,000–$143,000 |
| ZX250LC-7 | 25T | 178HP | 0.95–1.45 cy | $268,000–$338,000 | $110,000–$169,000 |
| ZX350LC-7 | 35T | 258HP | 1.30–1.95 cy | $340,000–$428,000 | $138,000–$214,000 |
| ZX470LC-7 | 47T | 352HP | 1.85–2.75 cy | $440,000–$552,000 | $178,000–$276,000 |
| ZX670LC-7 | 67T | 448HP | 2.80–4.00 cy | $580,000–$728,000 | $235,000–$364,000 |
| ZX870LC-7 | 87T | 538HP | 3.80–5.50 cy | $700,000–$820,000+ | $284,000–$410,000 |
Hitachi vs Komatsu vs Caterpillar — Excavator Financing Comparison
| Criterion | Hitachi ZX210LC-7 | Komatsu PC210LC-11 | Cat 320 |
|---|---|---|---|
| Weight Class | 21T | 21T | 21T |
| HP | 158HP | 162HP | 148HP |
| New Price | $225,000–$285,000 | $235,000–$295,000 | $250,000–$315,000 |
| Lender Recognition | Very good | Best — top tier | Best — top tier |
| 5-Year Resale | 48–56% | 50–58% | 52–60% |
| OEM Financing | Hitachi Capital America | Komatsu Financial (strong promos) | Cat Financial (strongest promos) |
| Deere Dealer Access | Yes — JV (ZX = G-series Deere) | No | No |
| Fuel Efficiency | Very good (ECO mode) | Best (KOMTRAX+SmartMode) | Very good |
| US Dealer Network | 500+ Hitachi + 1,700+ Deere via JV | 700+ Komatsu dealers | 900+ Cat dealers |
| Best For | Best dealer access (via Deere JV) | Best fuel economy, resale | Best resale, OEM support |
Hitachi Capital America — OEM Financing Details
Hitachi Capital America (HCA) is the OEM captive lender for Hitachi Construction Machinery equipment in North America. HCA processes loan and lease applications through the authorized Hitachi dealer network, typically delivering decisions within 24–48 hours for established businesses. HCA offers standard loans (36–72 months) and FMV leases, with promotional financing aligned with CONEXPO and model year transitions.
For buyers who prefer the John Deere dealer network, John Deere Financial provides an alternative OEM financing path for the equivalent Deere-branded excavators. John Deere Financial is known for seasonal payment structures — allowing contractors to make reduced payments during winter months — and competitive promotional rates. John Deere Financial is one of the strongest OEM captive lenders in the construction equipment sector, with deep experience in excavator financing across the midsize and large machine categories.
For used Hitachi excavators, independent lenders including Beacon Capital Group, ENGS Commercial Finance, and First Western Equipment Finance regularly finance ZX-series machines. Used Hitachi ZX excavators are among the most liquid used equipment collateral because they appear at auction frequently, are recognized by international buyers, and hold value well in export markets (particularly Southeast Asia and Latin America).
Financing Options for Hitachi Excavators
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan (Hitachi dealer) | Hitachi Capital America | New Hitachi-branded equipment | 36–72 months, promos available |
| OEM Loan (Deere dealer) | John Deere Financial | Deere-branded ZX equivalent | 36–72 months, seasonal payment option |
| OEM Lease | HCA or John Deere Financial | Short-term use, lower payments | 36–60 month FMV lease |
| Bank/Credit Union | Regional banks, SBA | Established businesses, best rates | 48–84 months, prime +1–2.5% |
| Independent Lender | Beacon Capital, ENGS, First Western | Used equipment, faster approvals | 48–72 months, slightly higher |
| Section 179 Deduction | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance a Hitachi Excavator?
Get matched with lenders who specialize in Hitachi ZX-series excavators — from ZX17U mini machines to ZX870LC large excavators. Hitachi and John Deere-branded versions both financed.
Frequently Asked Questions — Hitachi Excavator Financing
What is the Hitachi-John Deere joint venture?
Hitachi Construction Machinery (Tokyo, Japan) and John Deere have maintained a long-standing joint venture in North America since 1988. Under this arrangement, many Hitachi excavators are sold as John Deere-branded machines through the John Deere dealer network in the United States. For example, the John Deere 210G LC excavator is mechanically equivalent to the Hitachi ZX210LC. The joint venture gives Hitachi access to Deere's 1,700+ US dealer network, while Deere gains excavator technology it does not manufacture independently. This means buyers can choose between Hitachi branding (through Hitachi dealers) or John Deere branding (through Deere dealers) for equivalent machines.
What financing does Hitachi Capital America offer?
Hitachi Capital America (HCA) is the OEM captive lender for Hitachi Construction Machinery equipment in North America. HCA offers standard loans (36–72 months), FMV leases, and periodic promotional financing through the authorized Hitachi dealer network. HCA processes applications within 24–48 hours for established businesses. Buyers who purchase Hitachi-branded machines through the John Deere network have access to John Deere Financial instead, which offers its own loan and lease programs including seasonal payment structures popular with contractors who have seasonal revenue fluctuations.
What is the best-selling Hitachi excavator in North America?
The Hitachi ZX210LC-7 (21-ton class, 158HP, $225,000–$285,000 new) is the best-selling midsize Hitachi excavator in North America, used widely in utility construction, commercial site work, and pipeline operations. In the compact category, the ZX85US-6 (8-ton zero-swing) is popular for urban and residential utility work. Both machines are available at the Hitachi dealer network and equivalent John Deere models are available through Deere dealers, providing broad access and strong used market liquidity that simplifies lender underwriting.
How does Hitachi resale value compare to Komatsu and Cat?
Hitachi excavators hold strong residual values — generally comparable to Komatsu and slightly below Caterpillar in the 5-year retention analysis. A 3–5 year old ZX210LC-7 or ZX350LC-7 retains approximately 48–56% of new value. Caterpillar machines at similar ages retain 52–60%. Komatsu falls between Hitachi and Cat. The Hitachi-Deere joint venture actually benefits resale in North America because the equivalent John Deere-branded machines create a broader buyer pool at auction — buyers who might not specifically search for Hitachi will find the equivalent Deere model, increasing demand for both.
Can I finance used Hitachi excavators?
Yes. Used Hitachi excavators are well-supported by independent equipment lenders. The ZX-series is among the most recognized excavator brands for used lender underwriting, supported by regular auction appearances on IronPlanet, Ritchie Bros., and Machinery Trader. Machines up to 10 years old are generally financeable with standard terms. Hitachi's Deere joint venture also helps used financing: buyers who purchased through Deere dealers often have Deere Financial history that makes subsequent financing easier. For machines over 12 years or 12,000+ hours, a larger down payment of 20–25% is typical.
Should I buy a Hitachi-branded or John Deere-branded excavator?
For most buyers, the choice between Hitachi-branded and John Deere-branded versions of the same machine comes down to dealer proximity and financing preferences. John Deere Financial offers seasonal payment structures and strong promotional rates for agricultural contractors — advantages if your business has seasonal revenue. Hitachi Capital America offers competitive standard terms. Deere's 1,700+ US dealer network provides broader service coverage for most buyers. The machines are mechanically equivalent. From a resale standpoint, both brands hold similar values — the John Deere branding may carry a slight premium at auction among buyers unfamiliar with the Hitachi-Deere relationship.
Related Equipment Financing Pages
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