Financing

Get the financial flexibility and support you need

Cat^® Commercial Account Cat Credits Cat Vantage 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^® Credits are delivered as an emailed certificate from Cat Financial, after you participate in a promotional program or redeem Cat^® Vantage Points.

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^® VANTAGE REWARDS

With a Cat^® Commercial Account, you are automatically enrolled into Cat^® Rewards. Every qualifying purchase earns rewards, so you’re not just buying what you need today – you're saving for what’s next.

Rewards are earned and may, in most cases, be used for the purchase of Cat parts, service or rentals at your dealer or on Parts.cat.com and Cat® Central. Cat^® Points are issued as Cat^® Credits.

If you spend $ 2,500 on your Cat^® Commercial Account when purchasing parts at your Toromont Cat branch, you earn 25 Reward Points.

If you spend $ 1,500 on your Cat^® Commercial Account when purchasing parts at your Toromont Cat branch, you earn 15 Reward Points.

One place, one program

Earn 3% Cat^® Reward Points on Parts.cat.com and Cat^® Central

(first $5K spent per year)

Plus: Earn 1% Cat^® Reward Points on qualifying purchases.

START EARNING

Join the Cat^® Rewards program by registering and linking your Toromont Cat store to your Parts.cat.com account.

Create your Parts.cat.com Account

ACCESS YOUR REWARDS

Login to view your rewards

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 December 31, 2026. Financing is subject to credit approval for customers who qualify through Cat Financial. Not all buyers will qualify. Offer subject to change without prior notice. Additional terms and conditions may apply. A $500 minimum purchase invoice is required unless otherwise stated. Rental transactions do not count toward minimum. Offer does not apply to Purchases subject to invoice billing (see your Cat Card agreement for invoice billing terms).

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.