4 Ways Cat Financial Services Offer You More Value

Cat Financial doesn’t operate like a traditional bank. Beyond providing the upfront capital to finance equipment, Caterpillar offers robust services not available from your bank. We also rely on the resale value of equipment. That means we support you for the complete equipment lifecycle. Our portfolio of solutions includes:

• Equipment financing: Our loans and leases give you options to acquire equipment. Choose to build equity or save cash for other needs.

• Working capital loans: Do you need funds for daily operations or business growth? We can help you leverage your equipment equity.

• Lines of credit: The Cat Commercial Account is the fast, easy way to purchase. Make low monthly payments on parts, repairs, rebuilds and more. Then pay off the balance when your finances allow — and earn Cat Rewards on every qualifying purchase.*

• Extended protection: Coverage beyond the standard warranty helps you manage risk. Add Equipment Protection Plans to new, used or rebuilt machines. Or choose Extended Service Coverage for engines and power systems.

• Insurance options (U.S. only): Physical Damage Insurance protects against total and partial equipment losses. Commercial General Liability Insurance protects your business when accidents cause injuries or property damage.

• Customer Value Agreements: The Cat CVA by Cat Financial simplifies ownership and maintenance. You get genuine Cat parts delivered on time for maintenance. Equipment health management tools are included, too.

For the most part, banks are generalists. They provide loans to all types of businesses. At Cat Financial, we’re specialists. We only work with businesses — large and small — that use Cat products. Our people are experts in the industries Caterpillar serves:

Why does that matter? We understand the value of your equipment and business better than any bank can. We’re up to date on what’s happening in your industry. We recognize that seasonal shifts can affect your finances. And we use that knowledge to tailor Cat Financial services to your needs. You don’t get one-size-fits-all financing from us. You get a solution built around your equipment and goals.

Cat Financial often can be more flexible than traditional lenders. For example:

• Our application and approval process is typically quicker and easier. View the Cat Financial credit requirements for a closer look at how we evaluate applications.

• Cash isn’t your only option for a down payment. We also accept trade-ins or rental equity.

• You can select, finance and protect equipment in one place. Save time upfront and simplify future interactions. Just ask your local dealer about Cat Financial services available to you.

• We regularly offer special financing on equipment, parts and services. Check out our current Cat Financial interest rates and offers.

• uWe support businesses worldwide. Our customers operate across North America, South America, Asia, Australia and Europe.

• We’re often willing to work with businesses banks consider “risky” because we understand the nature of the industry.

If you go to a bank for an equipment loan, that’s often the extent of the relationship. They supply the capital, and you repay it. Little to no additional support is available.

Cat Financial services are different. We help you succeed for the life of your business. That extends from your equipment purchase through resale. And we’re not only here when business is good. We’re here when you face challenges, too.

Run into hard times? Suffer an injury? Experience a natural disaster? You won’t suddenly lose your equipment. For qualified customers, we can modify terms, set up skip payments or restructure debt. Our Cat Financial customer service team stands by you when you need us most.

DISCOVER THE CAT FINANCIAL DIFFERENCE

*See cat.com/rewards for eligibility, details, and terms and conditions.