How to Apply
Do you have 5-7 minutes? The Cat Commercial Account application process is quick, easy and gets you a decision fast. Even better, you can apply from anywhere on any device.
The Cat® Commercial Account: One Simple Solution for Your Business
The Cat® Commercial Account is the easy way to pay for parts, attachments, service and protection plans for your equipment. Shop at any local Cat dealer or The Cat Rental Store locations nationwide, even online at parts.cat.com and the Cat Central app. Then, manage low monthly payments or pay in full as your budget allows. You can also use your Cat Commercial Account for equipment rentals, repairs and rebuilds.
Shopping with the Cat Commercial Account means exclusive savings for your business. Eligible accountholders unlock special financing offers and earn Cat Credits on qualifying purchases.1 Plus, when you're on the move, effortlessly manage your account and track expenses by job with the MyCatFinancial app. With competitive rates and no annual fee, the Cat Commercial Account is the perfect solution to simplify your spending.
Your Cat Commercial Account Questions, Answered
How to Use
Pay in person, online or over the phone for parts, service, attachments, rentals and more.
Benefits
Cat Commercial accountholders have access to exclusive deals on parts, service, attachments and more, but that's not all.
Rewards
Cat Rewards are redeemable for Cat Credits, which you can use toward your next qualifying Cat purchase of parts, services, rentals and more.
Shop With The Cat Commercial Account
Use your Cat Commercial Account wherever you like to shop — including online at parts.cat.com and at Cat Rentals locations. And the more you shop, the more you earn, with Cat Credits on every qualifying purchase.
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Shop for Parts and Attachments
Set the Cat Commercial Account as your preferred payment option on parts.cat.com to streamline the buying process and your accounts payable.
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Rent Equipment
Use your Cat Commercial Account to rent any type of equipment or tools at any Cat Rentals store locations nationwide. That includes Cat machines plus products from dozens of other industry-leading brands.
Manage Account & Download Documents
Your time is valuable, so we make applying for and managing your Cat Commercial Account simple.
PDF Print Application
Sole proprietors, Partnerships, Limited Liability Companies (LLC), and Corporations are encouraged to apply online. For other business types, use the print version of the application to make sure you have all the information you may need. Just download the PDF and follow the instructions on the form:
United States (PDF) | Dealer Addendum (PDF)
California (PDF) | California Dealer Addendum (PDF)
French Application | Demande de crédit français
Cat Commercial Account Terms & Conditions/Customer Agreement
1. REWARDS TERMS & CONDITIONS
1See cat.com/rewards for eligibility, details, and terms and conditions.
2. CAT COMMERCIAL ACCOUNT PARTS & SERVICE OFFER
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 2025: 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.
3. CAT COMMERCIAL ACCOUNT ATTACHMENTS OFFER
3Now through end of 2025, use your Cat Commercial Account and get:
- 0% for 12 months, 1.9% for 24 months or 4.9% for 36 months on qualifying Cat work tool purchases of $1,000 or more when you use the Cat Commercial Account at participating dealerships.
- 4.9% for 36 months + earn 5% in Cat Credits on select Cat work tool purchases of $1,000 or more when you use the Cat Card at participating dealerships
- .0% for 36 months on select Cat work tool purchases of $1,000 or more when you use the Cat Commercial Account at participating dealerships
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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