Let me ask you a financial question. What do you do with the excavator that the financing company guarantees to buy?

You can change your account. You can find a buyer and change the owner of the excavator into a buyer with the consent of the buyer and the guarantee company. Then the buyer will repay the loan later. Or you can find someone who can buy your excavator in full, and you can pay off all the loans with the money from selling the excavator. Anyway, changing households is as troublesome as buying a new excavator.