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One Account. All of Cat.
Your Caterpillar account is the single account you use to log in to select services and applications we offer. Shop for parts and machines online, manage your fleet, go mobile, and more.
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LOAN OR LEASE?
Which financial option 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.
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.
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 for qualified customers
Talk to your Cat® dealer for more details and other benefits that may be available in your location.
Apply Now
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.
Request Information
“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
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. Subject to approval.
Benefits of an Equipment Lease
- Monthly payments are often lower than a loan or short-term rental
- Monthly, quarterly, semi-annual, annual and skip payments are available for qualified customers.
- 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.
Apply Now
“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
Loan or Lease? Compare and Decide.
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Small Excavator Offer
Rates as low as 3.13% for 36 months
Learn More -
The Great Payback Event Finance Offer
The Great Payback Event means you can own your machine — and the competition. Find two great offer options.
Learn More -
Special Cat® Card Financing on Parts, Services, and Attachments
Unlock special offers just for Cat Card accountholders and earn reward points on every qualifying purchase. Terms and conditions apply.
Get the Cat Card
