Financing

Get the financial flexibility and support you need

Cat^® Commercial Account Cat^® Credits Cat^® Rewards

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

RELIABLE
LONG-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.

Apply Online Today

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

Toromont-Cat-Save-With-Cat-Credits-Phone

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.

Download Cat Rewards brochure

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.

Join for free today

ACCESS YOUR REWARDS

Login to member portal

Need help? Contact us.

CALL US
1-877-373-9510

EMAIL US
catcard.canada@cat.com

Credit Approvals / Requests:
catcard.canada.credit@cat.com

^* Offer valid until June 30, 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.