PLEASE DO NOT PRINT.
CONTACT YOUR
CAT FINANCIAL TERRITORY MANAGER
TO ORDER.
Equipment Financing
Our loans and leases for new, used and rental Cat® equipment—as well as complementary
equipment—make acquiring what you need simple. We frequently offer special promotional rates on equipment financing, and our one-stop shopping approach makes it easier for you to manage your financing, insurance and other business needs.
GOOD tO KnOw
HiGHer apprOVal rateS: Your loan or lease has a better chance of approval with Cat Financial. We approve more of the transactions we receive—and typically require lower down payments—than other financial institutions.
> installment Sale Contracts provide immediate ownership with payments over time (and often include a trade-in or down payment).
> Finance leases give you the option to own equipment under lease with a bargain purchase option.
> tax leases–Cat Value Option provide one of the lowest payment options with a stated purchase option at a predetermined Fair Market Value price.
> tax leases–long-term rental offer the lowest possible payments if you plan to return the equipment at lease-end.
> Governmental Financing provides special interest rates and tax-exempt options for states, counties and municipalities.
> terminal rental adjustment Claim (traC) leases, for the Cat Vocational Truck, a tax-oriented lease with an option to purchase at the end of the lease term for a predetermined amount.
Get wHat YOU neeD
tO Get tO wOrK
Meet laSer GraDinG & DeVelOpMent
location Bonita Springs, FL
established 2008
employees 28
Cat Dealer Kelly Tractor
“
The Commercial Account—we primarily
utilize on larger-ticket items. The bottom
line is it assists or works with our cash
flow. Because of the flexibility and the
options, we may pay it off in 30 or 60 days.
There are times when a builder doesn’t pay
us on time…we have that account
to help us in the meantime.
Kevin Manning,
President
Paying for parts, service, machine rentals and work tools at any Cat dealer has never been easier—or faster. Our Commercial Account is a revolving line of credit that lets you pay now or later to manage your cash flow, as well as take advantage of special promotional financing for Cat machine and engine support.
Cat FinanCial COMMerCial aCCOUnt
”
Hear the rest of Kevin’s story—and get to know the team that made it happen—at CatFinancial.com/Kevin.
Equipment Financing
Our loans and leases for new, used and rental Cat® equipment—as well as complementary
equipment—make acquiring what you need simple. We frequently offer special promotional rates on equipment financing, and our one-stop shopping approach makes it easier for you to manage your financing, insurance and other business needs.
GOOD tO KnOw
HiGHer apprOVal rateS: Your loan or lease has a better chance of approval with Cat Financial. We approve more of the transactions we receive—and typically require lower down payments—than other financial institutions.
> installment Sale Contracts provide immediate ownership with payments over time (and often include a trade-in or down payment).
> Finance leases give you the option to own equipment under lease with a bargain purchase option.
> tax leases–Cat Value Option provide one of the lowest payment options with a stated purchase option at a predetermined Fair Market Value price.
> tax leases–long-term rental offer the lowest possible payments if you plan to return the equipment at lease-end.
> Governmental Financing provides special interest rates and tax-exempt options for states, counties and municipalities.
> terminal rental adjustment Claim (traC) leases, for the Cat Vocational Truck, a tax-oriented lease with an option to purchase at the end of the lease term for a predetermined amount.
Get wHat YOU neeD
tO Get tO wOrK
Meet laSer GraDinG & DeVelOpMent
location Bonita Springs, FL
established 2008
employees 28
Cat Dealer Kelly Tractor
“
The Commercial Account—we primarily
utilize on larger-ticket items. The bottom
line is it assists or works with our cash
flow. Because of the flexibility and the
options, we may pay it off in 30 or 60 days.
There are times when a builder doesn’t pay
us on time…we have that account
to help us in the meantime.
Kevin Manning,
President
Paying for parts, service, machine rentals and work tools at any Cat dealer has never been easier—or faster. Our Commercial Account is a revolving line of credit that lets you pay now or later to manage your cash flow, as well as take advantage of special promotional financing for Cat machine and engine support.
Cat FinanCial COMMerCial aCCOUnt
”
Hear the rest of Kevin’s story—and get to know the team that made it happen—at CatFinancial.com/Kevin.
Capital Solutions
Improving cash flow, increasing working capital, enhancing bonding capacity—when you need to strengthen your company’s financial position, we can help. Because our Capital Solutions team understands your industry and your equipment’s value better than a bank, we can work with you to keep the cash flowing so you can continue growing.
> revolving lines of Credit let you tap into the equity in your equipment and shift short-term debt to long-term debt. You can access cash when you need it for any business expense and pay down the line when excess cash is available. Similarly, working Capital loans
help you fund day-to-day operations.
> Debt Consolidation & refinancing helps you improve cash flow and increase working capital. Even if we weren’t your original lender, we may be able to help you lengthen terms, consolidate loans, restructure or schedule “skip” or “step-up” payments.
GOOD tO KnOw
MOre FleXiBilitY: You can count on Cat Financial to be here in good times and bad. We’ll set up variable payment schedules, modify loan or lease terms, consolidate debt and arrange for skip payments, extensions or early buyouts.
Meet tiFFanY COnStrUCtiOn
location Phoenix/Sedona, AZ
established 1925
employees 121
Cat Dealer Empire Cat
Keep YOUr BUSineSS
StrOnG & GrOwinG
“
”
Cat Financial has gone above and beyond
for us helping us to consolidate debt and
refinance it. We were in a tough spot earlier
this year and they helped us through it.
lyndon larson,
Treasurer
Work in a unique market or face a challenging situation? We offer special equipment financing solutions for marine, mining, oil and gas, power generation and transportation, as well as project financing for large-scale infrastructure, industrial and construction initiatives. Our Capital Markets team can structure and arrange a broader spectrum of your financial needs through syndication and participation.
FinanCial SOlUtiOnS FOr UniQUe inDUStrieS
Hear the rest of Lyndon’s story—and get to know the team that made it happen—at CatFinancial.com/lyndon.
Capital Solutions
Improving cash flow, increasing working capital, enhancing bonding capacity—when you need to strengthen your company’s financial position, we can help. Because our Capital Solutions team understands your industry and your equipment’s value better than a bank, we can work with you to keep the cash flowing so you can continue growing.
> revolving lines of Credit let you tap into the equity in your equipment and shift short-term debt to long-term debt. You can access cash when you need it for any business expense and pay down the line when excess cash is available. Similarly, working Capital loans
help you fund day-to-day operations.
> Debt Consolidation & refinancing helps you improve cash flow and increase working capital. Even if we weren’t your original lender, we may be able to help you lengthen terms, consolidate loans, restructure or schedule “skip” or “step-up” payments.
GOOD tO KnOw
MOre FleXiBilitY: You can count on Cat Financial to be here in good times and bad. We’ll set up variable payment schedules, modify loan or lease terms, consolidate debt and arrange for skip payments, extensions or early buyouts.
Meet tiFFanY COnStrUCtiOn
location Phoenix/Sedona, AZ
established 1925
employees 121
Cat Dealer Empire Cat
Keep YOUr BUSineSS
StrOnG & GrOwinG
“
”
Cat Financial has gone above and beyond
for us helping us to consolidate debt and
refinance it. We were in a tough spot earlier
this year and they helped us through it.
lyndon larson,
Treasurer
Work in a unique market or face a challenging situation? We offer special equipment financing solutions for marine, mining, oil and gas, power generation and transportation, as well as project financing for large-scale infrastructure, industrial and construction initiatives. Our Capital Markets team can structure and arrange a broader spectrum of your financial needs through syndication and participation.
FinanCial SOlUtiOnS FOr UniQUe inDUStrieS
Hear the rest of Lyndon’s story—and get to know the team that made it happen—at CatFinancial.com/lyndon.
prOteCt YOUr eQUipMent
& YOUr inVeStMent
GOOD tO KnOw
lOnG-terM SatiSFaCtiOn: Customers who finance with us say they’re more satisfied with their equipment. A wholly owned subsidiary of Caterpillar, we’ve been serving Cat customers exclusively since 1981—which means we understand your industry and challenges better than others.
inSUranCe SOlUtiOnS
You expect protection beyond the standard coverage. Our convenient insurance options—available for new and used Cat equipment—help you manage business risk.
> physical Damage insurance covers damage to your equipment from collision, fire, overturn and more.
> equipment protection plans help you manage owning and operating expenses by protecting your new, used and rebuilt machines from unexpected repair costs— and they’re transferable when you sell your equipment.
Cat Financial offers
things that the typical
lenders can’t do for
us. They do have a
kind of one-stop shop.
That is why we like
to use them.
lyndon larson,
Treasurer
“
prOteCt YOUr eQUipMent
& YOUr inVeStMent
GOOD tO KnOw
lOnG-terM SatiSFaCtiOn: Customers who finance with us say they’re more satisfied with their equipment. A wholly owned subsidiary of Caterpillar, we’ve been serving Cat customers exclusively since 1981—which means we understand your industry and challenges better than others.
inSUranCe SOlUtiOnS
You expect protection beyond the standard coverage. Our convenient insurance options—available for new and used Cat equipment—help you manage business risk.
> physical Damage insurance covers damage to your equipment from collision, fire, overturn and more.
> equipment protection plans help you manage owning and operating expenses by protecting your new, used and rebuilt machines from unexpected repair costs— and they’re transferable when you sell your equipment.
Cat Financial offers
things that the typical
lenders can’t do for
us. They do have a
kind of one-stop shop.
That is why we like
to use them.
lyndon larson,
Treasurer
“
Caterpillar FinanCial
2120 West End Avenue Nashville, TN 37203
phone: 615.341.1000
Customer Service: 800.651.0567
apply Online: www.CatFinancial.com
FOr tHe
liFe OF
YOUr
BUSineSS
Cat Financial offers so many different opportunities for different types
of financing…it’s hard to beat by any bank or any other institution.
“
”
–Hank rohwedder,
President
Our goal is to support you for the life of your equipment— and the life of your business. Whether you’re buying equipment, protecting your investment, managing your accounts or preparing for the future, we’re here to help you be more successful with:
> loans and leases for Cat and complementary equipment
> Cat Financial Commercial account for one convenient way to pay for parts, service and rentals
> insurance solutions to protect your equipment
> revolving lines of credit that let you draw on the equity in your equipment
> refinancing and debt consolidation to help you improve cash flow
For some, financing is all about dollars and cents. For us, personal relationships come first—and we build them to last. We invest our time getting to know you, your business and the challenges and opportunities you face. Then we develop solutions that are right for your business, today and tomorrow. That’s what being a part of the Caterpillar family is all about. To learn more about why it’s good to know Cat Financial—and all the ways we can help make your business stronger for life— talk to your local Cat dealer.
Meet HanK’S eXCaVatinG & lanDSCapinG
location Belleville, IL
established 1978
employees 100
Cat Dealer Fabick Cat
Hear the rest of Hank’s story—and get to know the team that made it happen—at CatFinancial.com/Hank.
(Shown on cover)
DEDQ1212-00
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