customers on a jobsite

Compare Your Options

Loan, lease or line of credit? It helps to take a side-by-side look at your various financing options as you make decisions for your business. Compare financial products here.

 


Loan
Finance
Lease
Operating
Lease
Working
Capital Loan
Revolving
Line of Credit

Who has ownership?

You do, at the end of the contract

You do, but you have the option to return at lease-end

We do, but you have the option to purchase at lease-end

You have immediate access to cash for any business need

You can access funds quickly with a simple request

Am I building equity?

Yes, faster than a finance lease

Yes, but slower than a loan

No

No

No

Who benefits from tax depreciation?

You do

You do

We do

N/A

N/A

How high or low is my monthly payment?

Higher

Lower

Lowest

N/A

N/A

What is the purchase option?

N/A

A bargain option to reduce your payment

Predetermined fair market value

N/A

N/A

Is there contract flexibility?

Yes

Yes

Some

Yes

Yes

Are there early payoff restrictions?

No

No

Some

N/A

N/A

Who pays personal property tax?

You do (varies by state)

You do (varies by state)

We do, then invoice you

N/A

N/A

Where can I learn more?

Financing Options

Financing Options

Financing Options

Financing Options

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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.

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

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