Financing a Kubota SVL110-3 and Its SC110 Mulching Head Together

A compact track loader and a mulching head are two separate line items on a purchase order, but for the contractor actually running the job, they're really one decision: can this carrier machine and this attachment do the land-clearing work I'm bidding on, together, as a system? Kubota's flagship SVL110-3 paired with a Land Pride SC110 skid cutter mulching head is exactly that kind of matched system, and it deserves to be financed with that pairing in mind, not as two disconnected purchases.

Why Hydraulic Flow Is the Spec That Actually Decides This Pairing

A mulching head is one of the most hydraulically demanding attachments a compact track loader can run — the rotor needs sustained high-flow hydraulic power to keep cutting through brush and small trees without stalling. The SVL110-3 delivers 112.7 gross horsepower (101.3 net) specifically with "superior hydraulic performance" built in, which Kubota designed to open up exactly this class of heavy attachment. A contractor running an SC110 on a smaller, lower-flow Kubota CTL may find the mulcher bogs down on anything beyond light brush — the carrier machine and the attachment have to be sized together, and the SVL110-3 is specifically the model in Kubota's lineup built to run this attachment at full capability.

Why Financing Them Together Makes More Sense Than Financing Them Separately

Contractors often default to financing the carrier machine through one channel and paying cash, or using a separate attachment-specific loan, for the implement — usually because the attachment purchase happens later, as an afterthought once the base machine is already on-site. That split approach misses a real opportunity: when a carrier machine and its primary attachment are financed as one package, the loan structure can reflect the actual revenue-generating unit you're building, rather than treating the mulching head as a secondary accessory. If land-clearing work is a planned revenue line from day one rather than an experiment, financing the SVL110-3 and SC110 together from the start avoids a second loan application, a second credit pull, and a second set of terms to track.

The Revenue Case for Land-Clearing as a Service Line

A flagship CTL and mulching head combination opens a genuinely different revenue line for a general contractor or site-development business that previously subcontracted land-clearing out entirely — right-of-way maintenance, fence-line clearing, lot clearing ahead of a build, invasive brush removal. Every one of those jobs that used to go to a specialized subcontractor becomes in-house revenue once you own the matched system capable of doing the work, and the SVL110-3's broader attachment compatibility means the same carrier machine keeps earning on grading, material handling, and truck-loading work between clearing jobs rather than sitting idle as a single-purpose mulcher platform.

Who Should Be Financing This Pairing

• Land-clearing and right-of-way maintenance contractors building out their own in-house mulching capability

• Site-development contractors who want to self-perform lot-clearing ahead of a build instead of subcontracting it out

• Fence contractors and utility crews who regularly need brush and sapling clearing ahead of installation

Structuring the Loan Around the Whole System

At BFC, we finance the carrier machine and the attachment as one package when that's how the business actually plans to use them — equipment financing through BFC is available nationwide, for startups and established businesses with good or bad credit, with down payments scaling from $0 for excellent credit up to 20-40% for newer files. For the full rundown on the SVL110-3 itself, see our SVL110-3 flagship spotlight, and for the mulcher itself, our SC110 skid steer mulcher spotlight. For a broader look at attachment ROI, our skid steer and CTL attachment ROI guide is a strong next read.

Ready to Put This Equipment to Work?

Visit our home page to learn more about how BFC helps contractors grow their fleets, apply for equipment financing to get started today, browse our equipment for sale listings for currently available inventory, or subscribe to our blog for more equipment spotlights and financing insights every week.