Kobelco SK75SR-7 Financing Calculator
mini excavators · Est. Market Price $85,000 · More Kobelco financing
Updated
In the mini excavators category, the Kobelco SK75SR-7 is positioned as a compact-class option, built around a 51.7hp engine and 17,600 lb operating weight.
At 51.7hp, the Kobelco SK75SR-7 sits at the lighter-duty end of the horsepower range for mini excavators models tracked here (10% of the category's top horsepower figure). By operating weight, it comes in at 8% of the heaviest mini excavators model in this dataset.
Priced at $85,000, the SK75SR-7 is modeled here as a 60-month $1-buyout capital lease at an estimated 8.37% APR — $1,754/mo, building to full ownership at term end. For financing at this level, a purchase price at this level is often financeable with minimal or no down payment for established businesses. Across the full 60-month term, total payments come to $105,235 — about $20,235 above the $85,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $1,754/month, this ties for #29 of 40 by estimated payment (tied with 2 other currently priced mini excavators models at this exact price point) — 14% above the mini excavators average of $1,539/mo.
On the tax side, this $85,000 purchase is Section 179-eligible under the 2026 cap of $2,560,000, and 100% bonus depreciation -- back in effect for equipment placed in service after January 19, 2025 -- means a qualifying buyer could potentially deduct the entire $85,000 in the year it's placed in service rather than depreciating it over several years, subject to the buyer's own taxable income and CPA sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$1,753.92/mo
Base APR: 8.37% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Asset Specifications
| Make | Kobelco |
| Model | SK75SR-7 |
| Category | heavy-construction |
| Subcategory | mini excavators |
| Horsepower | 51.7 hp |
| Operating Weight | 17,600 lbs |
| Estimated Market Price | $85,000 |
| Fuel Tank Capacity (gal) | 31.7 |
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $85,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $85,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $17,850 |
| Effective After-Tax Cost | $67,150 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Kobelco SK75SR-7?
An estimated $1753.92/month over 60 months at a base APR of 8.37%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 8.37% base APR: Subprime 12.87%, Fair 10.87%, Good 8.37%, Very Good 7.62%, Prime 6.87%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Kobelco SK75SR-7 eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed Kobelco SK75SR-7?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $85,000 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this Kobelco SK75SR-7 versus paying cash?
Over the full 60-month term, estimated payments total $105,235 -- about $20,235 more than the $85,000 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this Kobelco SK75SR-7?
Putting 10% down ($8,500 on this Kobelco SK75SR-7) reduces the estimated payment from $1,754/mo to roughly $1,580/mo at the same 8.37% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a Kobelco SK75SR-7?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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