Cat Financial | Comparison of Financial Products

Comparison of Financial Products

  Loan Finance Lease
Working Capital (Term Loan) Revolving Line of Credit
Ownership Immediate Option to return or purchase at lease-end; Flexible options include the ability to return early at the predetermined date
Immediate Immediate
Equity Buildup Faster Slower None None
Tax Depreciation Customer Customer N/A N/A
Payment Higher Lower N/A N/A
Purchase Option N/A Bargain N/A N/A
Contract Flexibility Yes Yes Yes Yes
Early Payoff Restrictions No No N/A N/A
Personal Property Tax Customer pays
(varies by state)
Customer pays
(varies by state)
Additional Information
  • Customer Owns and depreciates
  • Immediate equity through down payment or trade-in
  • Quickest equity buildup through repayment
  • Customer has ownership
  • Bargain purchase option reduces payment
  • Customer may take depreciation
  • Equity buildup is slow
  • Characteristics of a loan with the lower payments of a lease
  • Get cash for any business need
  • Secure credit with pledged equipment only
  • Borrow funds only when needed and repay as you decide
  • Add or release pledged equipment easily
  • Pay the interest only as long as adequate loan availability exists
  • Access funds quickly with a simple request
  • Finance additional or replacement purchases geared to expanding or renewing your fleet
  • Customized financing offered
  • Blanket lien filing not required


Request a Quote

Ready to get started? Get information on products, pricing and current offers from your local dealer.



Extended Protection

You work hard to keep your business going. Let us work hard to protect it.

View Solutions

Used Equipment

Choose from a wide range of age and hour machines, coupled with financing and extended protection solutions.

View Inventory

Contact Us

Connect with our industry finance and extended protection experts to learn how we can support and protect your business.

Contact Us