Flexible Financing.  Sustainable Solutions.

As the mining industry continues to evolve, you need a financial partner who understands the cyclical nature of your business and is prepared to work together with you, when you need us most.


For 40 years, we’ve been committed to delivering financial products, extended protection, and more to Caterpillar customers around the world. Together, we can mine better by helping you get the custom financial solutions you need to get the job done. 


Financing Options: Lease vs Loan

Lease vs Loan


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.



  • 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.


It’s easier than ever to get the financing you need to rebuild or repair your machine. Choose from great savings options. Terms and conditions apply.*

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Love your tractor? Keep your tractor with a Cat Certified Rebuild
Love your tractor? Keep your tractor with a Cat Certified Rebuild


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.



  • 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.

Want to learn more about your financing options? Stop by the Caterpillar booth at MinExpo and meet with a Cat Financial representative.

Additional Articles

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