Cat® Equipment Financing Solutions for Construction Businesses

Excavator in front of sunset
Excavator in front of sunset
Apply for Financing
Apply for Financing

Build Bigger: Get the construction Financial Solutions You Need For Success

Running a construction business can feel like facing a never-ending list of challenges, from fluctuating material prices and looming deadlines to labor shortages and cash flow concerns. It can be tough to take on new projects or grow your business under those conditions. That’s why having a trustworthy partner by your side truly makes a difference.

With Cat Financial’s flexible financing options, you’re taking a positive step toward success. We’re here to support you with quick approvals, competitive rates, and plans tailored to your heavy equipment and jobsite needs. Whether you’re upgrading your fleet or managing unforeseen requirements, Cat Financial is dedicated to helping you craft a financing plan that fits your timeline, budget, and growth aspirations—so you can stay focused on achieving your goals.

"Thanks to Cat Financial, we can work on financing products and end-to-end solutions that fit the realities of our customers so that they have good positioning in the market."

Alvaro Vizcardo, Commercial Director, Ferreyros

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Know Your Financing Options

Construction Financing Made Simple: Explore Loan, Lease & Rental Options

Cash isn’t the only way to get the heavy or compact equipment you need for the job. Lease, loan, or rent —each choice has its own advantages. Pick what works best for your construction business and keep moving forward.

View Your Options
loan vs lease
loan vs lease

Equipment Financing Options: A Step-By-Step Guide:

Is an equipment loan or lease right for you? Which maintenance plan fits your needs? Compare your financial options with our comparison guide and find a solution.

 

 

Find Your Best Option
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Get The Best Deals On Construction Equipment

Our goal is to see you and your business succeed. Whether you need new Cat equipment, preventative maintenance, parts, attachments, or service, there are many ways to save.

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Cat equipment on jobsite
Cat equipment on jobsite

From Parts to Repairs: Maintain and Protect Your Equipment

Protecting your equipment with Cat Financial means keeping your fleet covered from the unexpected, without the headache. Our preventative maintenance and equipment protection plans are designed to give you peace of mind- protecting against costly repairs, breakdowns, and unexpected issues that can slow down your work.

Physical Damage Insurance

We've Got You Covered: Our Physical Damage Insurance is built to protect your equipment. If your new or used machine experiences a covered loss, we’ll get it repaired or replaced— so you can get back to work fast.

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Cat employees working on rebuilding a machine
Cat employees working on rebuilding a machine

Custom Maintenance Plans

A Cat Customer Value Agreement (CVA) by Cat Financial promises the value of hassle-free ownership and preventative maintenance, the security of expert dealer support and the peace of mind that comes with equipment health management.

Protect Your Equipment
CVA for construction
CVA for construction

Equipment Protection Plans

Cat® Equipment Protection Plans protect you from the risk of unplanned repair costs after the Caterpillar Limited Warranty expires. It’s easy to fit into your budget, too, with coverage levels and terms that align with the way you use your equipment.

See What's Covered
Cat dealers showing equipment to customer
Cat dealers showing equipment to customer

*Financing subject to credit approval by Caterpillar Financial Commercial Account Corporation for U.S. customers and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify, please see cat.com/commercialaccount for complete terms and conditions

**See cat.com/rewards for eligibility, details, and terms and conditions

What to Know About Financing Construction Equipment

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.


 

Ready to Get Started?
 

Start the process of owning Cat equipment or finding project financing. Fill out this form, and we’ll have your local Cat® dealer follow up with the information you need. 

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Applying for financing has never been easier. A Cat equipment credit application is simple. 

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Want to learn more about our services and how we can support you in your construction operations? We're happy to help.

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Pay bills, check interest paid, print contracts, sign documents — you can do all that and more, 24/7. Log in or register today!

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