Equipment Financing
0% Down Available on All Brands
Axiant Partners finances all major equipment brands — Caterpillar, Komatsu, John Deere, XCMG, SANY, and 200+ more. 0% down available for qualified borrowers regardless of brand. Terms 36–84 months.
- ✓ 0% down for qualified borrowers
- ✓ All brands including XCMG and SANY
- ✓ New and used equipment
- ✓ Startups and established businesses
- ✓ Decision in 24–48 hours
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Volvo Construction Equipment Financing
All EC excavators (EC55E through EC950F), L-series wheel loaders, and G-series motor graders with 2024 prices. Volvo Financial Services OEM programs.
Key Facts: Volvo CE Equipment Financing
- Parent Company: Volvo Group (Gothenburg, Sweden) | CE HQ: Gothenburg, Sweden
- US Manufacturing: Shippensburg, PA (motor graders)
- OEM Financing: Volvo Financial Services (Greensboro, NC)
- Price Range: $85,000 (EC55E) to $1.4M+ (EC950F)
- Best Seller: EC220E ($268,000–$335,000) — 22T class
- Fuel System: EC-mode reduces fuel 10–20% vs full power
- Telematics: CareTrack standard on all new equipment
Volvo CE Excavator Financing — EC55E Through EC950F
| Model | Weight | Engine | New Price | Used Price | Notes |
|---|---|---|---|---|---|
| EC55E | 5.5T | 50HP | $85,000–$108,000 | $38,000–$50,000 | Compact |
| EC80E | 8.0T | 63HP | $112,000–$142,000 | $50,000–$65,000 | |
| EC140E | 14T | 100HP | $175,000–$220,000 | $77,000–$101,000 | |
| EC160E | 16T | 120HP | $205,000–$258,000 | $91,000–$119,000 | |
| EC200E | 20T | 152HP | $245,000–$308,000 | $108,000–$142,000 | |
| EC220E | 22T | 175HP | $268,000–$335,000 | $118,000–$155,000 | Most popular mid-size |
| EC250E | 25T | 195HP | $295,000–$370,000 | $130,000–$171,000 | |
| EC300E | 30T | 232HP | $352,000–$440,000 | $155,000–$203,000 | |
| EC380E | 38T | 270HP | $432,000–$540,000 | $191,000–$249,000 | |
| EC480E | 48T | 345HP | $545,000–$681,000 | $241,000–$314,000 | |
| EC550E | 55T | 395HP | $635,000–$794,000 | $281,000–$367,000 | |
| EC750E | 75T | 483HP | $865,000–$1,080,000 | $382,000–$499,000 | |
| EC950F | 95T | 617HP | $1,100,000–$1,400,000 | $486,000–$647,000 |
Volvo Wheel Loader Financing — L-Series
| Model | Weight | New Price | Model | Weight | New Price |
|---|---|---|---|---|---|
| L50H | 3.5T | $108,000–$138,000 | L60H | 4.5T | $125,000–$158,000 |
| L70H | 5.5T | $145,000–$182,000 | L90H | 7.0T | $178,000–$222,000 |
| L110H | 9.0T | $225,000–$282,000 | L120H | 10.5T | $268,000–$335,000 |
| L150H | 14T | $368,000–$460,000 | L180H | 18T | $475,000–$594,000 |
| L220H | 22T | $578,000–$722,000 | L250H | 25T | $712,000–$890,000 |
| L350H | 35T | $1,050,000–$1,310,000 |
Volvo Motor Grader Financing — G-Series
| Model | Engine | New Price | Used Price |
|---|---|---|---|
| G930B | 145HP | $192,000–$240,000 | $85,000–$110,000 |
| G940B | 165HP | $218,000–$272,000 | $96,000–$125,000 |
| G946B | 185HP | $245,000–$306,000 | $108,000–$141,000 |
| G960B | 210HP | $272,000–$340,000 | $120,000–$157,000 |
| G970B | 240HP | $312,000–$390,000 | $138,000–$180,000 |
| G976B | 265HP | $348,000–$435,000 | $154,000–$201,000 |
Volvo EC220E vs Cat 323 vs Komatsu PC228USLC — Comparison
| Criterion | Volvo EC220E | Cat 323 | Komatsu PC228USLC |
|---|---|---|---|
| New Price | $268K–$335K | $275K–$340K | $288K–$360K |
| Fuel Economy | EC-mode: best in class | Auto idle: good | Eco mode: good |
| Operator Cab | Care Cab: premium ergonomics | Very good | Good |
| Grade Control | Volvo Grade option | Cat Grade option | iMC standard on USLC |
| 3-Year Residual | 48–58% | 68–75% | 63–70% |
| Short Tail Swing | Not available EC220 | Not available 323 | USLC — short tail swing |
| US Manufacturing | Shippensburg PA (graders only) | Multiple US plants | Peoria, IL |
| Lender Recognition | Good | Best | Very good |
| Best For | Fuel-sensitive operators, long haul | General use, best resale | Urban constrained sites |
Volvo Financial Services — Financing Programs
Volvo Financial Services (VFS) is headquartered in Greensboro, North Carolina, and provides financing for the entire Volvo Group product portfolio including Volvo CE, Mack Trucks, and Volvo Trucks. For construction equipment, VFS offers loans and leases through the Volvo CE dealer network.
VFS competitive advantages include: flex payment options for seasonal operators, CareTrack telematics integration that provides lenders with verifiable machine hours for used equipment financing, and OEM alignment with Volvo's maintenance programs. VFS also integrates with Volvo's Uptime Center — the telematics-based remote diagnostics system that can proactively identify maintenance needs, reducing surprise downtime that affects loan repayment.
Financing Options for Volvo CE Equipment
| Financing Type | Provider | Best For | Typical Terms |
|---|---|---|---|
| OEM Loan | Volvo Financial Services | New equipment, dealer purchase | 36–84 months, flex payment options |
| OEM Lease | Volvo Financial Services | Tax optimization, upgrade cycles | 36–60 month FMV lease |
| Bank Loan | Regional banks, equipment specialists | Established businesses | 48–72 months, prime +1.5–3% |
| Independent Lender | Beacon Capital, ENGS, Crest | Newer businesses, faster approval | 48–72 months |
| Section 179 | Any lender | Year-end tax optimization | Up to $1.16M deduction (2024) |
Ready to Finance Volvo CE Equipment?
Get matched with lenders for Volvo excavators, wheel loaders, and graders — from EC55E compact excavators to EC950F large machines.
Frequently Asked Questions — Volvo CE Equipment Financing
Where is Volvo Construction Equipment made?
Volvo Construction Equipment (Volvo CE) is headquartered in Gothenburg, Sweden, part of the Volvo Group. Key US-relevant manufacturing: excavators at Changwon, South Korea and Braås, Sweden; wheel loaders at Arvika, Sweden; motor graders at Shippensburg, Pennsylvania (US manufacturing). The Shippensburg, PA plant produces G-series motor graders, giving Volvo US-made credentials for that product line. Volvo Financial Services operates from Greensboro, North Carolina.
What does Volvo Financial Services offer for equipment financing?
Volvo Financial Services (VFS) is the captive OEM financing arm for Volvo Group products including Volvo CE, Mack Trucks, and Volvo Trucks. VFS offers loans (36–84 months), finance leases, and operating leases for Volvo CE equipment. Promotional rates — including occasional 0% periods — are offered through authorized Volvo dealers. VFS also offers a unique flex payment structure for seasonal contractors similar to equipment lenders's seasonal payments.
What is the most popular Volvo CE excavator?
The Volvo EC220E ($268,000–$335,000) is the most popular Volvo CE excavator in North America — the 22T class mid-size excavator that competes with the Cat 323 and Komatsu PC228. The EC140E ($175,000–$220,000) is the most popular compact class. Both models have strong used market presence on Ritchie Bros. and IronPlanet auction platforms.
How does Volvo CE compare to Cat and Komatsu for resale?
Volvo CE excavators hold slightly lower resale values than Cat (68–75% 3-year residual) and are approximately comparable to Komatsu (63–70%). A 3–5 year old Volvo EC220E typically resells for 48–58% of new price. However, Volvo's Care Cab operator environment, fuel efficiency (Volvo EC-mode), and D-Series/E-Series reliability have improved used demand over the past decade. Volvo wheel loaders (L-series) tend to hold slightly better resale than Volvo excavators.
What is the Volvo EC-mode fuel savings system?
Volvo's EC-mode (Economy mode) automatically adjusts engine RPM and hydraulic pressure to the minimum needed for the current task — reducing fuel consumption 10–20% vs running at full power. For operators financing a Volvo excavator, EC-mode directly reduces operating costs, which improves the debt coverage ratio (DCR) that lenders use to assess loan risk. Lower fuel costs mean more cash available for debt service — a real financing benefit.
Can I finance a Volvo CE excavator with bad credit?
Yes, with conditions. Volvo CE excavators are accepted collateral by most equipment lenders including those who work with challenged credit. For credit scores 580–640, expect: 20–35% down payment, personal guarantee, possibly a co-signer, and higher interest rates (12–20% APR). Specialty lenders like Clicklease (under $25K) and commercial hard-money equipment lenders work with scores as low as 550+ for used Volvo equipment with sufficient equity.