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Komatsu Equipment Financing — Complete Model Guide
Every PC excavator, D dozer, and WA wheel loader — with 2024 prices, used values, and equipment lenders terms. iMC grade control explained.
Key Facts: Komatsu Equipment Financing
- Founded: 1921 | HQ: Tokyo, Japan (US HQ: Rolling Meadows, IL)
- US Manufacturing: Peoria, IL | Chattanooga, TN | Georgetown, KY
- OEM Financing: equipment lenders (KF)
- 3-Year Residual: 63–70% | 5-Year Residual: 48–57%
- Telematics: KOMTRAX — remote telematics included free on all new equipment
- Price Range: $28,000 (PC10) to $45M+ (PC8000 mining)
- iMC Grade Control: Standard on PC210LCi, PC360LCi — $20K–$50K residual premium
Komatsu iMC — Why It Changes the Financing Calculation
Komatsu's iMC 2.0 (Intelligent Machine Control) provides automatic grade control that is standard — not optional — on PC210LCi, PC360LCi, and other LCi models. The system uses GNSS positioning to know where the bucket is relative to the design grade at all times, and it automatically stops the bucket from penetrating below grade. Operators cannot over-excavate, even accidentally.
The practical benefits are significant: 20–40% faster cycle times on grading work, dramatically reduced rework costs, and a lower skill threshold for operators. On a typical road-grading project, iMC can cut labor hours by 15–25% compared to a non-iMC machine requiring manual grade verification with a grade checker.
For equipment financing, iMC creates a measurable residual value premium. A PC210LCi retails for $278,000–$348,000 vs the standard PC210LC at $258,000–$322,000 — roughly $20,000 higher. But at resale, the iMC machine consistently brings $20,000–$50,000 more than a comparable non-iMC PC210LC, because commercial grading contractors specifically seek iMC machines and will pay a premium. If choosing between a PC210LC and PC210LCi for financing purposes, always choose the iMC version — better machine and better investment.
KOMTRAX telematics (standard free on all new Komatsu) also affects financing by providing verifiable hour records. Lenders who see KOMTRAX history on a used Komatsu have confidence in the hours shown — reducing their collateral risk and often resulting in more favorable used equipment financing terms.
Komatsu Excavator Financing — All PC Models
| Model | Weight | Engine | New Price | Used Price | Notes |
|---|---|---|---|---|---|
| PC10-11 | 1.0T | 11HP | $28,000–$36,000 | $12,000–$17,000 | Tight urban access |
| PC18MR-3 | 1.8T | 16HP | $38,000–$48,000 | $17,000–$23,000 | Zero tail swing |
| PC26MR-3 | 2.6T | 21HP | $48,000–$62,000 | $21,000–$29,000 | Compact versatile |
| PC30MR-5 | 3.0T | 24HP | $55,000–$70,000 | $24,000–$32,000 | |
| PC35MR-5 | 3.5T | 29HP | $60,000–$76,000 | $26,000–$35,000 | |
| PC45MR-5 | 4.5T | 37HP | $72,000–$90,000 | $32,000–$42,000 | |
| PC55MR-5 | 5.5T | 43HP | $82,000–$104,000 | $36,000–$48,000 | |
| PC60-8 | 6.0T | 47HP | $92,000–$115,000 | $40,000–$53,000 | |
| PC78US-8 | 7.8T | 58HP | $108,000–$136,000 | $48,000–$63,000 | Compact short tail |
| PC88MR-11 | 8.8T | 70HP | $118,000–$148,000 | $52,000–$68,000 | |
| PC138US-11 | 13.8T | 103HP | $168,000–$210,000 | $74,000–$97,000 | |
| PC170LC-11 | 17T | 125HP | $205,000–$256,000 | $91,000–$118,000 | |
| PC190LC-11 | 19T | 138HP | $225,000–$281,000 | $99,000–$130,000 | |
| PC210LC-11 | 21T | 158HP | $258,000–$322,000 | $114,000–$149,000 | Top seller worldwide |
| PC210LCi-11 | 21T | 158HP | $278,000–$348,000 | $130,000–$170,000 | iMC grade control standard |
| PC228USLC-11 | 22.8T | 168HP | $288,000–$360,000 | $127,000–$166,000 | Short tail swing |
| PC240LC-11 | 24T | 175HP | $298,000–$372,000 | $132,000–$172,000 | |
| PC290LC-11 | 29T | 218HP | $342,000–$428,000 | $151,000–$198,000 | |
| PC360LC-11 | 36T | 258HP | $422,000–$528,000 | $187,000–$244,000 | |
| PC360LCi-11 | 36T | 258HP | $445,000–$556,000 | $202,000–$264,000 | iMC version |
| PC390LC-11 | 39T | 279HP | $462,000–$578,000 | $204,000–$267,000 | |
| PC490LC-11 | 49T | 345HP | $548,000–$685,000 | $242,000–$316,000 | |
| PC650LC-11 | 65T | 430HP | $738,000–$923,000 | $326,000–$427,000 | |
| PC800LC-8 | 80T | 590HP | $955,000–$1,190,000 | $422,000–$552,000 | |
| PC1250SP-8 | 125T | 800HP | $2,000,000–$2,500,000 | $880,000–$1,150,000 | |
| PC2000-8 | 200T | 1,600HP | $4,000,000–$5,000,000 | $1,760,000–$2,300,000 | |
| PC3000-6 | 300T | 2,611HP | $8,000,000–$10,000,000 | $3,500,000–$4,600,000 | |
| PC4000-11 | 400T | 3,360HP | $10,000,000–$14,000,000 | $4,400,000–$6,400,000 | |
| PC5500-11 | 550T | 4,000HP | $16,000,000–$20,000,000 | N/A | |
| PC7000 | 700T | 4,600HP | $24,000,000–$30,000,000 | N/A | Ultra mining |
| PC8000 | 800T | 5,400HP | $35,000,000–$45,000,000+ | N/A | World's 2nd largest |
Komatsu Dozer Financing — All D Series
| Model | Engine | New Price | Used Price | Best Use |
|---|---|---|---|---|
| D21PX-8 | 49HP | $65,000–$85,000 | $29,000–$38,000 | Small push dozing |
| D31EX-24 | 80HP | $80,000–$105,000 | $35,000–$48,000 | Light land clearing |
| D37PX-24 | 96HP | $100,000–$128,000 | $44,000–$59,000 | |
| D39PX-24 | 100HP | $120,000–$153,000 | $53,000–$70,000 | Utility contractor |
| D51EX-24 | 130HP | $165,000–$210,000 | $73,000–$97,000 | Mid production |
| D61PX-24 | 168HP | $212,000–$268,000 | $94,000–$124,000 | Contractor standard |
| D65EX-18 | 210HP | $268,000–$338,000 | $118,000–$155,000 | Large contractor |
| D85EX-18 | 305HP | $382,000–$482,000 | $169,000–$223,000 | Heavy production |
| D155AX-8 | 410HP | $582,000–$738,000 | $257,000–$341,000 | Very large dozing |
| D275AX-5 | 574HP | $905,000–$1,150,000 | $400,000–$531,000 | Mining support |
| D375A-8 | 805HP | $1,300,000–$1,650,000 | $574,000–$762,000 | Major mining |
| D475A-8 | 1,150HP | $2,000,000–$2,500,000 | $880,000–$1,150,000 | Largest production dozer |
Komatsu Wheel Loader Financing — WA Series
| Model | Bucket | New Price | Model | Bucket | New Price |
|---|---|---|---|---|---|
| WA150-8 | 3.5 yd³ | $108,000–$138,000 | WA180-8 | 3.8 yd³ | $125,000–$158,000 |
| WA270-8 | 4.5 yd³ | $188,000–$238,000 | WA320-8 | 5.5 yd³ | $235,000–$298,000 |
| WA380-8 | 6.5 yd³ | $295,000–$375,000 | WA430-8 | 7.5 yd³ | $368,000–$465,000 |
| WA475-10 | 8.0 yd³ | $435,000–$548,000 | WA500-8 | 9.0 yd³ | $522,000–$658,000 |
| WA600-8 | 12.0 yd³ | $782,000–$985,000 | WA800-3 | 17.0 yd³ | $1,400,000–$1,800,000 |
| WA900-3 | 20.0 yd³ | $2,000,000–$2,500,000 |
Komatsu vs. Cat 320 vs. John Deere 210G — Head-to-Head Comparison
| Criterion | Komatsu PC210LCi | Cat 320 | John Deere 210G |
|---|---|---|---|
| New Price | $278K–$348K (with iMC) | $258K–$305K (no iMC) | $252K–$315K |
| Grade Control | iMC standard (no add-on) | Cat Grade add-on +$15K–$25K | John Deere SmartGrade optional |
| Telematics | KOMTRAX free standard | Product Link standard | JDLink standard |
| 3-Year Residual | 63–70% | 68–75% | 60–68% |
| US Manufacturing | Peoria, IL | Various US plants | Dubuque, IA |
| Dealer Density (US) | Good | Best (600+ dealers) | Very good (ag areas) |
| OEM Financing | equipment lenders (KF) | equipment lenders (Fairlead) | equipment lenders |
| Lender Recognition | Good | Best | Very good |
| Mining Model Range | PC10 through PC8000 | 307 through 6090 | Limited |
| Best For | Grade-sensitive work, mining | General construction, best resale | Ag contractors, JD ecosystem users |
equipment lenders (KF) — How OEM Financing Works
equipment lenders is the captive OEM financing arm for Komatsu equipment in the United States, operating under Komatsu America Corp. (Rolling Meadows, Illinois). KF finances new and used Komatsu equipment through authorized Komatsu dealers nationwide.
Standard equipment lenders terms run 36–84 months on new equipment, with rates typically 1–3% above prime for qualified borrowers. equipment lenders runs periodic promotional offers — 0% for 36–60 months on select new models — usually tied to model year-end inventory clearance or specific equipment categories. These promotions vary by quarter and region, so confirm current offers with your dealer.
For used Komatsu equipment, KF finances machines up to 10 years old through the Komatsu dealer network. KOMTRAX history on used machines helps KF assess collateral quality and sometimes results in better terms than independent lender approval.
KF also offers operating leases (Fair Market Value leases) on larger equipment, which provides off-balance-sheet treatment under older accounting standards — though FASB ASC 842 now requires most leases to be capitalized. For mining-scale equipment (PC1250 and above), KF uses a structured finance approach rather than standard dealer paperwork, typically involving a credit analyst review and project-specific structuring.
Financing Options for Komatsu Equipment
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | equipment lenders | New equipment, dealer purchase | 36–84 months, 0% promotions available |
| OEM Lease | equipment lenders | Tax optimization, upgrade path | 36–60 month FMV lease |
| Bank/CU Loan | First National, Wells Fargo, regional banks | Established businesses, best rates | 48–72 months, prime +1.5–3% |
| Independent Lender | Beacon Capital, ENGS, Crest Capital | Newer businesses, faster approval | 48–72 months, slightly higher rate |
| SBA 7(a) Loan | SBA-approved lenders | Startups, business expansion | Up to 84 months, SBA guarantee |
| Section 179 + Loan | Any lender | Year-end tax planning | Full deduction up to $1.16M (2024) |
Ready to Finance Komatsu Equipment?
Our financing network includes lenders who specialize in Komatsu excavators, dozers, and wheel loaders — including iMC models and mining-scale equipment.
Frequently Asked Questions — Komatsu Equipment Financing
What is equipment lenders and how does it work?
equipment lenders (KF) is the captive OEM financing subsidiary of Komatsu America Corp., headquartered in Rolling Meadows, Illinois. KF offers standard loans and leases with competitive rates — often 0% for 36–60 months on select new equipment during promotional periods. The main advantage is streamlined approval through the Komatsu dealer, and KF understands Komatsu equipment residual values better than independent lenders.
What is Komatsu iMC grade control and does it affect financing?
Komatsu iMC (Intelligent Machine Control) 2.0 provides automatic grade control that prevents operators from over-digging below the design grade. It is standard on PC210LCi and PC360LCi models, adding $20,000–$50,000 over base PC210LC and PC360LC pricing. For financing purposes, iMC machines hold $20,000–$50,000 more residual value because contractors specifically seek them — so the higher purchase price is largely offset by higher resale.
What is KOMTRAX and how does it help with used Komatsu financing?
KOMTRAX is Komatsu's standard telematics system included free on all new equipment. It records machine hours, location, fuel consumption, and diagnostic codes. For used Komatsu equipment, KOMTRAX history provides verifiable hour records that lenders trust — reducing the risk of odometer fraud common with equipment having altered hour meters. This makes used Komatsu financing more accessible than brands without standard telematics.
How does used Komatsu PC210LC pricing compare to new?
A new Komatsu PC210LC-11 retails for $258,000–$322,000. A 3–5 year old used PC210LC with 3,000–5,000 hours typically sells for $114,000–$149,000 — roughly 45–55% of new price. The PC210LCi (with iMC) holds slightly better at $130,000–$170,000 used. These strong residual values make Komatsu equipment attractive collateral for lenders.
Can a startup construction company finance Komatsu equipment?
Startup construction companies (under 2 years in business) can finance Komatsu equipment, but expect different terms than established contractors. Typical startup requirements include: 20–30% down payment, personal guarantee from all owners over 20%, minimum credit score of 640–660, and sometimes 2 years of personal tax returns. equipment lenders has limited startup programs — specialty lenders (Beacon Capital, ENGS Commercial Finance, Clicklease for under $25K) often provide better startup terms.
Which is a better purchase — Komatsu PC210LCi vs Caterpillar 320?
The Komatsu PC210LCi ($278K–$348K) includes iMC grade control as standard — Cat's equivalent (Cat Grade) requires a separate technology package addition ($15K–$25K) on the Cat 320 ($258K–$305K). After adding grade control to the Cat 320, prices converge. Cat 320 has slightly higher resale (68–75% three-year residual vs Komatsu's 63–70%), better dealer density nationally, and stronger brand recognition with non-specialty lenders. Komatsu wins on iMC standard inclusion, KOMTRAX telematics, and US manufacturing in Peoria, IL.