Operator holding keys to Cat machine
Operator holding keys to Cat machine

What Are My Cat® Equipment Financing Options?

The time to buy a new piece of equipment has arrived. Whether you’re looking for an extra machine to help you take on additional projects or want to replace existing equipment with newer technology, purchasing Cat® equipment for your business can be an exciting time.

But what if you’re working with tight budgets or have limited capital available? Or maybe you’re preserving cash flow for other business requirements. We know that the costs involved in buying new equipment can seem daunting. That’s why Caterpillar offers a range of equipment financing options to make acquiring equipment easier.

When you work with Cat Financial for your equipment financing, you don’t just get one-size-fits-all support; we understand the unique needs of your business, which is why we offer flexible financial solutions and the industries you work in.

We also know that comparing equipment financing options can also be overwhelming and complicated, especially when there are multiple options available, and you’re not sure which option is best for your business. To simplify equipment financing, we’ve put together this quick guide to help you better understand your options and their benefits, and ways you can save on Cat equipment.

Finance options

Are equipment financing solutions suitable for me?

Cat equipment financing solutions are suitable for most people. From first-time business owners just starting out to experienced construction professionals wanting to expand their heavy equipment fleet, we can provide the support you need, to get the job done.

What equipment financing options are available?

When it comes to financing, we understand the importance of flexibility. That’s why we’ve developed equipment financing options that can be tailored to the unique needs of your company, including:

  • Hire purchase
  • Equipment leasing – including finance leases and operating leases

Want to learn more about your options? Click below to find out about Cat Financial solutions.

View financing options

What’s the difference between hire purchase and leasing equipment?

Hire purchase options are a great option if you’d like to own your machine but spread the cost over a period of time. Put simply, you’ll build equity while you work.

With our flexible, low-risk equipment leasing options, you can choose from making monthly, quarterly, semi-annual or annual payments. These monthly payments are often lower than short-term rentals and loans, making them a more affordable option for your business. Most lease options give you the opportunity to extend your lease, purchase the machine, or return it when your lease ends.

Which equipment financing option is right for me?

Compare the benefits of our different finance options to help you determine which option is best for you and your business by clicking the link below.

Compare finance options

What equipment financing tools are available to help me determine my equipment costs?

Affordability Calculator

We’ve created some tools to help you calculate how affordable your choice of machine is based on your chosen finance option:

Use the Affordability Calculator

Payment Calculator

Alternatively, use our Payment Calculator to help you to determine the payments over the life of your finance contract:

Use the Payment Calculator

How can I save money on Cat equipment?

Special offers are a great way to help you save money on Cat machines, attachments, parts, service, and more. Browse our website to view current offers or contact your local dealer to find out what additional savings opportunities may be available.

View special offers

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