The Cat® Commercial Account is a revolving line of credit designed exclusively for business use at participating Cat dealers, Cat RentalsSM and online at parts.cat.com and the Cat Central app – giving you flexibility, control and rewards on qualifying purchases.3
Cat® Commercial Account puts you in control. Whether you’re managing day-to-day purchases or planning for bigger jobs.
With the Cat Commercial Account, you can:
It’s purchasing power aligned to real job cycles, backed by the confidence of working with a company that knows your industry and your business. *Terms and conditions apply.1
Consolidate parts, service and rental spend into one commercial account built with your Cat dealer relationship.
This isn’t just another line of credit, it’s a smarter way to manage Cat purchases.
If you’ve worked with your local Cat dealer before, that history matters. Payment performance — even on rentals — can support your application. New to Cat Financial? Your broader business and loan history can also be considered. Not all lenders understand the work behind the work, but we do.
Multiple low and no interest financing offers are available for parts, service and attachments. Get the Cat Commercial Account today and be ready for your next opportunity.
Eligible accountholders are automatically enrolled in Cat Rewards at the Silver Tier, earning an annual Cat® Credits reward plus 1% back in Cat Credits on eligible purchases made with your Cat Commercial Account. Because the work you put in every day should give something back.
Submit your business information online through MyCatFinancial.
Next, we review your business and credit information. We might reach out for additional documentation to ensure a fair assessment.
If approved, begin using your account for parts, service and rentals at participating Cat dealers and online with Caterpillar.
The Cat Commercial Account gives you the control, flexibility and rewards to keep your operation moving.
Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation of US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customer will qualify. See cat.com/commercialaccount for full details.
PARTS & SERVICE OFFER
ON PARTS.CAT.COM AND CAT CENTRAL: Now through June 30, 2026: Get 0% for 6 months with no payments, 0% for 12 months, 0% for 24 months with no payments for first 3 months and no invoice minimums, 0% for 36 months or 0% for 36 months with no payments for first 6 months with a $3500 invoice minimum.
IN-STORE: Now through December 31, 2026, at participating Cat dealers: Get 0% interest for 3 months with no payments, 0% for 6 months or 0% for 6 months with no payments, 0% for 12 months, 0% for 24 months. or 0% for 24 months with no payments for the first 3 months. Offer subject to change without prior notice. Additional terms and conditions may apply. Through June 30, 2026 0% for 36 months and 0% for 36 months with no payments for 6 months requires $3,500 minimum purchase. No minimum amount is required for other terms. Rental transactions do not count toward $3,500 minimum. The invoice must represent at least 50% genuine Cat parts or reman parts. Offer does not apply to purchases subject to invoice billing (see your Cat Commercial Account agreement for invoice billing terms). Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. Balance under all offers due in full at the end of term. If not paid in full at the end the term, interest accrues on remaining outstanding balance in accordance with customer’s Cat Commercial Account agreement. Late payment charges apply. Special offers are subject to change without notice, and additional terms and conditions may apply. Visit cat.com/commercialaccount or contact your Cat dealer for more information.
ATTACHMENTS OFFER
Now through end of 2026, use your Cat Commercial Account and get:
Offers valid through December 31, 2026. Offers for 0% for 12, 0% for 18 with 6 months no pay, 1.9% for 24 months limited to qualifying work tools compatible with the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Offers for 0% for 12, 0% for 18 with 6 months no pay, 1.9% for 24 months and 4.9% for 36 months limited to qualifying work tools compatible with select compact equipment. Contact Cat dealer for a full listing of eligible work tools.
Offer for 4.9% for 36 months limited to qualifying work tools compatible with select compact equipment. Offer valid through December 31, 2026.
Offer for 0% for 36 months limited to the following Hammers: H110-H215 andcompatible hydro-mechanical attachments: rotary cutters; mulchers; compactors; shears; multi processors; pulverizers; demo & sorting, orange peel, forestry and fabricated grapples limited to the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Offer valid through December 31, 2026.
A $1,000 minimum purchase invoice is required on all offers unless otherwise stated. Rental transactions do not count toward minimum. Offer does not apply to purchases subject to invoice billing (see your Cat Commercial Account agreement for invoice billing terms). Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. Balance under offers to be paid by equal monthly payments for the duration of the term. Balance under all offers due in full at the end of term. If not paid in full at the end of the term, interest accrues on remaining outstanding balance in accordance with customer’s Cat Commercial Account agreement. Late payment charges apply. Cannot be combined with other offers. Additional terms and conditions may apply. Contact Cat Financial or your Cat dealer for more information.
See cat.com/catrewards for eligibility, details and terms and conditions.
