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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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MORTGAGE, HIRE PURCHASE,
OR LEASE?
Which financial solution is right for you? If equity and ownership are your priorities, a hire purchase may be your best bet. If you want flexibility and a way to free up cash for other needs, consider a finance or operating lease.
Financing Options
Do your plans require 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
Chattel Mortgage
Want to own that new or used machine right away but pay for it over time? A chattel mortgage can help you build equity and get to work quickly.
- Get right to work and build equity at the same time
- Our lowest total acquisition cost for machine ownership
- Make your deposit in the form of cash, trade-in or rental equity
- Choose from flexible payment plans and various maintenance programs
- Claim the tax benefits of ownership, including depreciation and interest expense deductions
Confirm with your accountant how this applies for you and your business. Talk to your Cat® dealer for more details.
Hire Purchase
Need the flexibility to pay over time, but want the option to own that new or used machine at the end of the term? A hire purchase might be the right choice.
- 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 and various maintenance programs*
- Claim the tax benefits of ownership, including depreciation and interest expense deductions
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 and provide more flexibility.
“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
Finance Lease
Available in Australia Only
Want the flexibility of a lease with a fixed period of montly payments? A finance lease can get you back to work quickly, keep you in a newer machine, and help you plan ahead for other expenses.
- 100% financing available to qualified customers
- Monthly payments can be lower than traditional financing, depending on residual amount
- Choose from flexible payment plans and term lengths for new equipment
Operating Lease
Get the flexibility of a lease with a fixed period of monthly payments - and no residual risk at the end of the term. Choose an operating lease to free up working capital, plan ahead for other expenses, and get more options at the end of the lease.
- Lowest monthly payments and payment schedule flexibility
- Return machine at the end of the lease
- Keep your working capital available for other operating needs
- Generally qualifies for off-balance sheet financing for debt-to-equity ratio concerns
- Extended term options available
Laser Grading & Development
See how we helped a new business owner survive and thrive through an economic downturn.
