Kubota SVL110-3 Compact Track Loader Financing: Kubota's New Biggest CTL Yet

Sep 20

5 min read

Every so often a manufacturer stops nudging a lineup forward and just plants a flag. Kubota did that at ConExpo-Con/Agg 2026 in Grapevine, Texas, when it pulled the cover off the SVL110-3 and called it exactly what it is: the largest compact track loader Kubota has ever built for the North American market. If you've run a Kubota SVL before, this one is going to feel familiar in the cab and completely different everywhere hydraulics touch the ground.

For contractors who've outgrown the SVL97-3 but never wanted to jump all the way into a full-size wheel loader class machine, the SVL110-3 is the answer Kubota apparently heard loud and clear. It's not a rebadge and it's not a horsepower bump for the sake of a spec sheet — it's a genuinely new top-of-lineup machine, and it deserves a real look before you write your next equipment check.

Meet the SVL110-3: Kubota's new flagship

The SVL110-3 debuted at ConExpo on March 3, 2026, and started reaching select dealers in April. It runs 112.7 gross horsepower and 279.8 lb-ft of torque, backed by a rated operating capacity of 3,700 pounds and an operating weight of 12,322 pounds. Auxiliary hydraulic flow lands at 45 gallons per minute, and Kubota built it to be compatible with more than 40 Kubota-engineered attachments — everything from mulching heads to cold planers to grapple buckets, all running off that same flow.

According to Kubota product manager Anna Kitzerow, the machine leans hard on Kubota's proprietary Auxiliary Performance System to get that 45 GPM out of the hydraulics, which is a meaningful jump for anyone who's ever felt a mulcher or a planer bog down on a smaller platform. Kubota's MSRP reference point for the SVL110-3 starts around $119,860 before dealer configuration and attachment packages, which gives you a real number to plan a budget around — not a figure BFC is quoting as your financed cost, just the manufacturer's own published starting reference.

What changed from the SVL97-3

The SVL97-3 has been a workhorse in Kubota's lineup, and Kubota didn't throw it out — the SVL110-3 sits above it as a new top tier rather than a direct replacement. But the comparison still tells you exactly what you're paying for. The SVL97-3 runs 96.4 gross horsepower against the SVL110-3's 112.7, a real jump of more than 16 horsepower. Rated operating capacity climbs from roughly 3,500 pounds to 3,700. Auxiliary flow goes from 40 GPM to 45 GPM — and that five-gallon jump is exactly the difference between an attachment that struggles and one that runs at full rated output.

What Kubota didn't change is just as important: the SVL110-3 keeps the same compact footprint and the same travel speed as the machine below it. That's the real engineering story here. Kubota found a way to add horsepower, capacity, and hydraulic muscle without making the machine any harder to trailer, maneuver on a tight lot, or squeeze through a residential gate. For a contractor who bids both tight urban lots and open commercial pads with the same machine, that footprint discipline matters as much as the horsepower number.

The SVL110-3 also carries forward Kubota's sealed one-piece cab design, a 7-inch LCD monitor, Kubota WorkSmart telematics, standard Auto Downshift, and low-effort hydraulic controls — the reliability-focused features Kubota has built its compact-equipment reputation on, not stripped out to hit a price point on the new flagship.

Rent vs. own: why this one belongs on your balance sheet

A machine like the SVL110-3 is exactly the kind of equipment that gets rented over and over by contractors who tell themselves they'll buy "once things settle down." That never actually happens, and every rental invoice on a high-flow CTL like this one is real money that builds you nothing. Rent it for six months on a big grading and mulching job and you've paid a meaningful chunk of what it would take to own the machine outright — except at the end of six months, you're handing the keys back and starting the rental clock over on the next job.

Financing the SVL110-3 instead means the machine is yours between jobs, available the day a mulching or grading opportunity shows up rather than whenever the rental yard has one free, and building equity instead of disappearing into a rental company's balance sheet. BFC structures deposits based on your credit profile — for borrowers with strong, well-established credit, that can mean $0 down; for others, it's typically in the 20-30% range, and in some cases up to 40% depending on the deal. Either way, it's a real conversation about your business, not a one-size-fits-all number, and BFC can help fund your next piece of equipment while this one's still being paid down — something a lot of traditional lenders won't touch until a machine is paid off free and clear.

Who this machine actually fits

The SVL110-3's combination of high-flow hydraulics and a compact footprint makes it a strong fit for land-clearing and forestry-mulching contractors running heavy mulcher heads, site development and grading contractors who need real pushing and carrying power on commercial pads, demolition subcontractors running cold planers or hydraulic hammers, and landscaping and hardscape contractors who need serious lift and flow without stepping up to a full-size loader that won't fit through a job-site gate. If your current Kubota SVL75-3 or SVL97-3 is running flat-out on every high-flow attachment job, this is the machine that gives that fleet real headroom instead of forcing you to rent up every time the job calls for more.

Telematics and uptime: the quieter part of the story

It's easy to focus on horsepower and flow numbers and skip past the software, but Kubota WorkSmart telematics on the SVL110-3 is worth planning around too. Fleet owners running three or four machines can track hours, location, and maintenance intervals across the whole group from one dashboard, which matters more on a flagship machine than anywhere else in the fleet — this is the unit you can least afford to have down during a big mulching or grading push. Combine that with the Auto Downshift feature and low-effort hydraulic controls, and Kubota built a machine that's meant to be run hard by more than one operator on your crew without a steep learning curve every time someone new climbs in the cab.

That matters for financing too. A machine that's easier to keep productive and easier to keep healthy over its service life holds resale value better down the road, which is part of why a lender looks favorably on financing a well-supported flagship model instead of an off-brand alternative with a thinner dealer network.

Financing the SVL110-3 through BFC

BFC finances new and used compact track loaders across Kubota's full lineup — from the SVL75-3 compact track loader up through this new flagship — and we've been tracking Kubota's 2026 lineup closely, including in our full roundup of what's new from Kubota this year. If you're weighing Kubota against another brand's compact track loader before you commit, our Bobcat vs. Kubota compact equipment comparison and our broader skid steer and track loader buyer's guide are both worth a read before you talk to a dealer.

A machine this new is exactly where a real financing partner earns its keep — helping you move fast on a flagship model before every dealer in your market has one on the lot, and structuring the deal around your actual credit profile instead of a generic template.