Use your Cat Commercial Account to access available financing offers.
Apply for a Cat Commercial Account and you're on your way to earning Cat Credits on everyday purchases like parts, service and rentals through Cat Rewards. Plus, get exclusive member benefits.
If you are an eligible accountholder, there's no separate sign-up.
Use your account to earn Cat Credits on your first qualifying transaction.
Also eligible: Customer Value Agreements, Physical Damage coverage and Extended Protection options.
** Sole proprietorships, partnerships, LLCs and corporations in the United States and Canada can apply online. Other business types should use the printable application.
Sole proprietorships, partnerships, LLCs and corporations can apply online. Other business types, such as cooperatives, should use the printable application so all required information is included.
United States (PDF) | Dealer Addendum (PDF)
California (PDF) | California Dealer Addendum (PDF)
The Cat Commercial Account is a revolving line of credit for businesses offered by Cat Financial for parts, service, work tools and rentals at participating Cat dealers, Cat Rentals locations, parts.cat.com, Cat Central and other approved Cat retailers.
Apply online through MyCatFinancial if your business is a sole proprietorship, partnership, LLC or corporation. Other business types should use the printable application.
The Cat Commercial Account has no annual fee, no prepayment penalties and no document fees.
Eligible accountholders are automatically enrolled in Cat Rewards and can earn Cat Credits on qualifying purchases.
It's accepted at participating Cat dealers, Cat Rentals locations, parts.cat.com, Cat Central and other approved Cat retailers in the country where the account was issued, including the United States and Canada.
1See cat.com/rewards for eligibility, details, and terms and conditions.
2Now through end of 2026:
ON PARTS.CAT.COM AND CAT CENTRAL: Now through end of 2026: Get 0% for 6 months with no payments, 0% for12 months, 0% for 24 months with no payments for first 3 months and no invoice minimums, 0% for 36 months or0% for 36 months with no payments for first 6 months with a $3500 invoice minimum.
IN-STORE: Now through end of 2026: Get 0% interest for 3 months with no payments, 0% for 6 months or 0% for 6months with no payments, 0% for 12 months, 1.9% for 18 months or 4.9% for 36 months.
Offer valid through December 31, 2026. Offer subject to change without prior notice. Additional terms and conditions may apply. 0% for 36 months and 0% for 36 months with no payments for 6 months requires $3,500 minimum purchase. No minimum amount is required for other terms. Rental transactions do not count toward $3,500 minimum. Offer does not apply to purchases subject to invoice billing (see your Cat Commercial Account agreement for invoice billing terms). Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. Balance under all offers due in full at the end of term. If not paid in full at the end the term, interest accrues on remaining outstanding balance in accordance with customer’s Cat Commercial Account agreement. Late payment charges apply. Special offers are subject to change without notice, and additional terms and conditions may apply. Visit Cat.com or contact your Cat dealer for more information.
3Now through end of 2025, use your Cat Commercial Account and get:
Offers valid through December 31, 2026. Offers for 0% for 12, 1.9% for 24 months and 4.9% for 36 months limited to qualifying work tools compatible with select compact equipment and qualifying work tools compatible with the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Contact Cat dealer for a full listing of eligible work tools.
Offer for 4.9% for 36 months + Cat Credits limited to qualifying work tools compatible with the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Limit $10,000 in Cat Credits per work tool purchase. Cat Credits can used on future purchases of parts, service, sales, work tools and rentals of Cat equipment at participating Cat dealers, Cat RentalsSM, parts.cat.com and Cat Central. Availability to use Cat Credits on parts.cat.com and Cat Central varies by Cat dealer. Visit cat.com/catcredits for full Cat Credits rules.
Offer for 0% for 36 months limited to the following Hammers: H110-H215 and includes: rotary cutters; mulchers; compactors; shears; multi processors; pulverizers; demo & sorting, orange peel, forestry and fabricated grapples.
A $1,000 minimum purchase invoice is required on all offers unless otherwise stated. Rental transactions do not count toward minimum. Offer does not apply to purchases subject to invoice billing (see your Cat Commercial Account agreement for invoice billing terms). Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. Balance under offers to be paid by equal monthly payments for the duration of the term. Balance under all offers due in full at the end of term. If not paid in full at the end of the term, interest accrues on remaining outstanding balance in accordance with customer's Cat Commercial Account agreement. Late payment charges apply. Cannot be combined with other offers. Additional terms and conditions may apply. Contact Cat Financial or your Cat dealer for more information.
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