mini excavator on a jobsite

LOAN OR LEASE?

Which financial solution is right for you? If equity and ownership are your priorities, a loan may be your best bet. If you want flexibility and a way to free up cash for other needs, consider a lease.

of
Loan Vs. Lease

Financing Options

Do your plans for the future call for more cash than you have on hand? We can help. Our financing options provide the capital you need to purchase equipment, expand your business or manage day-to-day operations at your disposal. Flexible rates, terms and lengths make it easy for you to find a solution that fits your budget and goals.

 

“IF IT WASN’T FOR THEIR FLEXIBILITY AND THE COMPETITIVE RATES THEY PROVIDE US,
WE WOULDN’T BE ABLE TO PROVIDE OUR CUSTOMERS WITH THE PRICING AND
SUPPORT THEY DESERVE.”

Kevin Manning, Laser Grading and Development

 

LOANS

Want to own that new or used machine right away but pay for it over time? A traditional loan may be the right option for you.

  • Get right to work and build equity at the same time
  • Make your down payment in the form of cash, trade-in or rental equity
  • Choose from flexible payment plans — including skip payments on monthly schedules

Talk to your Cat® dealer for more details and other benefits that may be available in your location.

WORKING CAPITAL LOANS

When cash flow’s a challenge, so is running your business. A working capital loan puts the funds you need in your hands.

  • Leverage the equity in your equipment to access cash fast
  • Use funds to bid more work, expand your fleet or manage day-to-day operations
  • Secure credit with pledged equipment only — and add or release it as needed

Your Cat dealer can walk you through the details and any additional benefits available locally.


equipment LEASing OPTIONS

Life is all about choices, and so is equipment leasing from Cat Financial. Low monthly payments free up cash for other priorities. Flexible return and purchase options let you turn in equipment early, keep it longer or even buy it outright — you decide based on your project schedules and business needs.

 

“We’ve been leasing quite a number of products, and we do that because Cat Financial offers things that typical lenders can’t do for us. We like to use them because we have that flexibility.”

Lyndon Larson, Tiffany Construction

 

operator in an excavator
of
operator in an excavator

equipment leasing Benefits

  • Monthly payments are often lower than a loan or short-term rental
  • Monthly, quarterly, semi-annual, annual and skip payments are available
  • You may qualify for 100% financing or retain the tax benefits in some cases
  • You can lease equipment for an extended term — 60 months or more
  • You often have options at lease-end: return, purchase or extend the lease

One lease doesn’t fit all. Talk to your Cat dealer about our equipment leasing and finance solutions, then work with your financial advisor to choose the best option.


Cat Card Program

Paying for parts, service or rentals has never been easier. Use your Cat Card just like a credit card at participating Cat dealers and Cat Rental Stores to get what you need fast — no matter where your job takes you.

   

Cat Card Program Benefits
  • Special financing and flexible payment terms
  • Dedicated line of credit for your Cat purchases
  • $0 liability on fraudulent purchases
  • 24/7 account management
  • Three options available to fit your needs

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
operators on a jobsite, one in a wheelchair

Apply for Financing

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

Apply Now
special offers

Laser Grading & Development

See how we helped a new business owner survive and thrive through an economic downturn.

 

 

of
Laser Grading & Development Customer Story

Special Offers

Seeing you succeed is our aim. Our special offers make it easy and affordable for you to choose new and used Cat machines, parts, service and more. 

See all offers

Tools & Calculators

How much machine can you afford? Should you choose equipment leasing or an equipment loan? What level of extended protection is enough? These resources make decision-making easier.

VIEW ALL TOOLS
customer on a jobsite using a tablet