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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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Cat® Equipment Financing Requirements
Cat Financial offers flexible financing options to help you get the equipment you need, fast. Here’s a look at how we’ll evaluate your financing application.
Here Are 4 Factors We Take Into Account
Applying for less than $350,000 USD? We’ll get you a quick decision using information available through the Consumer Bureau Report (CBR). If the CBR doesn’t provide enough data, or your situation is unique, an analyst in our credit department will review your application and may request additional information to make a decision.
Have you financed with us before? Thanks for letting us serve you. We already have your credit history, so we won’t request it again. If you’re new to Cat Financial, we may ask for details about previous machine purchases or financing. That’s easy if you have a history with your local Cat dealer, who works directly with us. A good payment record — even for rentals — works in your favor.
Limited history with equipment purchases or financing? No problem. Show us that you’re in good standing with other business or personal loans instead. That could be a mortgage, a car or truck loan, a credit card, a motorcycle or boat loan, or even student loans.
Have jobs coming up? Your current work on hand can be a positive factor in the approval process. It gives our team a look at the jobs — and income — you have planned over the next three to six months. Providing copies of contracts is the fastest, best way for our credit team to review your work on hand.
Popular Blogs by Cat Financial
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How Does Small Business Equipment Financing Work?
Looking into financing equipment for a small business? See how small business equipment financing works and why you should consider lease and financing options.
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4 Steps to Overcome Financial Hurdles
Overcome the financial barriers that may be stunting your business' growth with these four steps. Don't let financial hurdles limit your ability to reach your goals.
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Equipment Leasing vs. Financing
Both equipment lease and loan options have their advantages. Find out which can help you best optimize your budget in our equipment lease vs loan comparison.
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Caterpillar Pay for Use and How it Can Help Your Business
Discover how the Caterpillar Pay For Use™ program can improve your cash flow and offer more convenience and flexibility in your daily business operations.
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