Cat Financial offers flexible equipment financing options, including loans and leases, tailored to your credit profile, equipment background, and business cash flow. Usually, you'll need a valid photo ID, some credit history (either personal or business), and proof of current work. If you're applying for $350,000 or less, you might enjoy quicker decisions to help you get started sooner.
The Cat® Commercial Account is the easy way to pay for parts, attachments, service and protection plans for your equipment. It gives you the flexibility to get what you need now for your compactors, dozers, pavers or other equipment, and 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.
Getting the new or used machine you need is quick and easy, whether it's an excavator or a wheel or track loader. Leasing options help keep your financial investment, risk, and qualification requirements lower, making the process smoother.
With lower upfront costs, smaller monthly payments, and extended lease terms of over 60 months, plus flexible options to return, buy, or extend, it’s a convenient way to get your equipment working without a heavy long-term commitment.
You can finance a Cat® mini excavator, skid steer loader, or backhoe with a traditional loan that lets you get to work immediately while building equipment equity. You can use cash, a trade‑in, or rental equity for your down payment and choose from flexible payment plans, including skip‑payment options for qualified buyers.
Your time matters. That’s why we make financing and account management easy. Apply online in minutes for equipment financing, a revolving line of credit with the Cat Commercial Account account — or both.
If you have questions about our financing application, contact your local Cat dealer. Together, we can guide you through the process.
For a brand-new company, Cat Financial bases approvals on personal credit, alternative loan histories, and proof of upcoming contracts. If there is no commercial equipment history, they consider personal standing, and approvals under $350,000 USD are fast-tracked using Consumer Bureau Reports.
Yes, municipal contracts can be factored into your approval odds for equipment financing.
Typical minimum requirements include a valid photo ID, proof of cash flow, and credit history.
Financing Cat equipment works by letting you acquire the machinery you need now and pay for it over time through flexible loans, leases, and rentals. Learn more about what equipment financing is in this blog.
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