Credit Test Run

Thinking about applying for Financing?

Cat Financial offers flexible financing options to help you get the equipment you need, fast. Here’s a look at how we’ll evaluate your financing application.

Here are 4 factors we take into account

Applying for less than $350,000? We’ll get you a quick decision under our No Financials criteria. If your situation is unique or more information is required, an analyst in our credit department will review your application and may request additional information to make a decision.

Credit Rating

Do you have any current finance contracts with us? Thanks for letting us serve you. We already have your credit history, so we won’t request it again. If you’re new to Cat Financial, we may request updated information about previous machine purchases or financing. That’s easy if you have a history with your local Cat dealer, who works directly with us. A good payment record — even for rentals — works in your favor.

Equipment Financing History

Limited history with equipment purchases or financing? No problem. Show us that you’re in good standing with other business or personal loans instead. That could be a mortgage, a car, truck loan, motorcycle or boat loan.

Overall Credit History

Have jobs coming up? Your current work on hand can be a positive factor in the approval process. It gives our team a look at the jobs — and income — you have planned over the next three to six months. Providing copies of contracts or an outline of work on hand is the fastest, best way to get a credit decision.

Work on Hand

Request information

Interested in learning more about our financing and extended protection options? Ready to get the process started? Just fill out this form and we’ll have your local Cat® dealer follow up with the information you need.

Get Started
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Apply for Financing

A Cat equipment credit application is simple.
Just complete three easy steps.

Apply Now
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Additional Articles

Find in-depth articles to answer your questions about construction equipment financing, and expert tips to help you navigate today's economy as a successful business.


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