Financing
Get the financial flexibility and support you need
We make it easy to protect your equipment, improve cash flow, and pay for new equipment, service, parts, attachments, rebuilds, and repairs. With Cat® Commercial Account, you get the flexibility and support you need.
EQUIPMENT LIFECYCLE SERVICES
- Equipment financing
- Working capital loans
- Lines of credit
- Extended protection
- Customer Value Agreements
TAILORED SOLUTIONS
- Loans to all types of businesses
- Our people are experts around Cat industries and equipment
- We recognize seasonal shifts can affect your finances
FLEXIBLE SUPPORT
- Quick and easy application and approval process
- Select, finance and protect equipment in one place
- Special financing on equipment, parts and services
RELIABLELONG-TERM RELATIONSHIP
- Relationship-focused support
- Supporting you through success and struggles
CAT® COMMERCIAL ACCOUNT
The Cat® Commercial Account is a flexible, revolving line of credit that can be used for Cat equipment needs when you don’t have cash on hand. It’s a commercial account that empowers you to buy what you need now, make low monthly payments, and then pay in full when your finances allow.
0% for 36 months, or 0% for 36 months
with no payments for the first 6 months*
($3,500 minimum)
---------------OR-----------------
0% for 24 months, or 0% for 24 months
with no payments for the first 3 months*
(no minimum)
on qualifying repairs and new or remanufactured Cat® parts, with or without service
SAVE WITH CAT® CREDITS
You will earn Cat® Points on all qualifying purchases. Points are issued to you as Cat Credits that provide an immediate discount you can use to pay for qualifying purchases.
EARN POINTS
The most common way to get Cat® Credits is through special promotions. Caterpillar, Toromont Cat, Cat Financial, Parts.cat.com or Cat® Central may offer Cat® Credits as part of a special offer or incentive. Cat Rewards are earned as points that can be redeemed for Cat Credits, which provide a dollar‑for‑dollar discount on future purchases (1 point = $1).
Cat® Credits are delivered as an emailed certificate from Cat Financial.
REDEEM CREDITS
You can redeem Cat® Credits over the counter at your Toromont Cat branch. Just print the certificate you receive by email and bring it with you — or show your certificate on your phone.
You can also choose Cat® Credits as your payment method on Parts.cat.com and Cat® Central. Simply enter the certificate number to redeem your credits when you check out online, or in the app.
SAVE
Whatever you need to get the job done and grow your business, chances are you can use Cat® Credits to help pay for it. That includes:
- Parts
- Services
- Repairs & rebuilds
CAT® REWARDS
Cat® Rewards are designed to help you earn rewards on the work you’re already doing. Progress you can track. Rewards you can use. Value you can put right back into the work that matters.
Unlock more benefits at each tier and gain access to rewards designed to support the way you move. As your qualifying spend increases, you advance though Cat Rewards tiers and unlock more benefits and rewards. From parts and service to repairs and rebuilds, unlock rewards where they benefit your business the most.
A new way to earn rewards
You can join Cat® Rewards for free and will start in the Bronze tier – no Cat Commercial Account required.
But having an account does give you another way to unlock more, quicker. With a Cat Commercial Account, you will start in the Silver tier.
Through Cat Rewards, all eligible Cat Commercial Account accountholders earn 1% back in Cat Credits on all eligible purchases, and a minimum of $125 in Cat Credits each year.
ADVANCE
Advance to higher Cat Rewards tiers as your qualifying spend grows.
UNLOCK MORE
Unlock more member benefits and rewards at every tier.
EARN
Earn 1% rewards on qualifying purchases made with your Cat Commercial Account*.
START EARNING
Cat® Rewards is FREE to join. Create your account and start earning.
ACCESS YOUR REWARDS
catcommercialcredit.canada@cat.com
Customer Service:
catcommercial.canada@cat.com
* Offer valid until December 31, 2026. Financing is subject to credit approval by Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. See Cat Rewards Terms and Conditions for full explanation of benefits, limitations, and eligibility – cat.com/rewardsrules
All Cat Points accrue based on local currency spend. Companies can earn up to 150 reward points per calendar year. See Cat Vantage Rewards terms and conditions for additional details. See Cat Card with Cat Vantage Rewards Terms & Conditions for more details, including eligibility and limitations.