About Us

We’re different than other lenders and insurers.
Discover why Cat® Financial is good for your business.

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Why Cat Financial?

Cat Financial isn’t a traditional bank or insurance company. We’re part of the Caterpillar family, just like you. We understand things other lenders and insurers don’t, and we work hard to support your success — whether you’re looking to acquire a new or used machine, protect your investment beyond the warranty or tap into the equity in your equipment to move your business forward.

Why Cat Financial?

We Work for You
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We Work for You

We work for you.

As a “captive” finance company, we work for Caterpillar customers and Caterpillar customers only. When you invest in Cat® equipment, we invest in your success.

We Know Your Business
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We Know Your Business

We know your business. 

We’re experts in the industries Caterpillar serves. We understand your equipment, your challenges and how financing and insurance can help you reach your goals.

We Make Things Eassy
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We Make Things Eassy

We make things easy. 

You can select, finance and protect your equipment in one trip to your local Cat dealer — and put the time and effort you save back into running your business.

We Tailor Solutions
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We Tailor Solutions

We tailor solutions. 

Sometimes you need more than a loan or a lease. We can set up custom financing packages, help you acquire working capital, even finance entire projects.

We Stay Flexible
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We Stay Flexible

We stay flexible.

We’re here to help you succeed not just in good times, but in tough times, too. We’ll modify terms, set up skip payments, restructure debt — whatever it takes.

Service for the life of your equipment

Equipment working on jobsite near dusk
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Equipment working on jobsite near dusk

Purchase: Whether you need a lease or loan to acquire new or used equipment, or funds to keep your business growing, you can count on us for quick credit approval and high approval rates.

Protect: Your peace of mind is our priority. Once you’ve invested in new or used Cat equipment, we help you protect that investment with coverage that goes beyond the standard warranty.

Manage: We’re here with what you need, when you need it. Access your account online 24/7. Use the Cat Card Program for parts, service and rentals. Ask for help navigating through tough financial times.

Resell: Our end-of-term solutions keep your business growing. Choose the option that’s best for you: purchase, refinance or return. We even offer used equipment at lower price points.

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Affordability Calculator Icon

Affordability Calculator

Enter monthly/down payment amounts and interest rate to see how much machine you can afford.

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Affordability Calculator
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Payment Calculator Icon

Payment Calculator

What will that new or used Cat machine cost you? Calculate your monthly payment.

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Equipment Financing Requirements

Our equipment financing requirements aren’t complicated. See the four key factors we consider.

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Tools & Calculators

Use these resources as you make decisions about loans, leases and extended protection.

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Protection Solutions

Explore your options for protecting your investment beyond the standard warranty.

See your options
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Contact Us

Connect with our experts to learn how we can support and protect your business

Contact Us
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