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Starting a construction business takes more than grit. It also takes equipment — quality machines that help you finish jobs on time and budget, so you can build credibility and keep winning work. But how do you access equipment when capital is tight, and credit history is limited? Here’s how Cat Financial can help you overcome startup barriers.
Estimated read time: 6 minutes
A construction business start-up is tough enough without assuming the odds are stacked against you. But many first-time buyers see the Cat® logo and think, “That’s for big contractors, not me.”
Big-name brand. Big yellow iron. Big reputation. It all must come with a big price tag and financing requirements to match, right? Not necessarily.
Here’s the truth: Caterpillar works with companies of all sizes, including construction startups and small businesses. And choosing a brand that’s built to last can help you build your reputation and credibility.
Often, startups zero in on short-term cost savings, opting for the lowest-priced equipment. But what looks like a bargain today can cost more tomorrow — in lost productivity, unexpected downtime and expensive repairs. Cheaper equipment can mean shorter life, less support and more risk.
Cat equipment is reliable, easy to service and backed by a support network that helps you stay up and running. When you focus on factors like productivity, availability and operating costs — not just purchase price — you’re making an investment in your company’s future.
If you're launching a construction business or buying your first machine, you may wonder if financing is even an option. Good news: it’s more accessible than you think. You don’t need years of operating history or a perfect credit score to start the conversation with Cat Financial.
We evaluate financing requests differently than a traditional bank might. Yes, your credit rating matters. But so do other factors that reflect your readiness to succeed — like a positive overall payment history and good standing with other business or personal loans. If you're already lining up work, that can be helpful, too.
Once you're approved, we offer flexible financing options built to work with the realities of a construction startup:
Trying to stretch every dollar as a small business owner or first-time buyer? Choosing used instead of new equipment can be one of the smartest decisions you make early on. Here’s why:
The choice is yours. Buy eligible Cat Used Equipment through Cat Financial and receive a special financing rate, equipment protection plan or a customer value agreement.
There are even more advantages to choosing used Cat equipment specifically. Unlike machines you’ll find at auction sites or on third-party listings, Cat Certified Used equipment is fully inspected and serviced — and often backed by an Equipment Protection Plan. Plus, Cat machines are known for excellent resale value, especially when properly maintained.
Another bonus: With Cat Financial, you can finance used machines just like new — with your choice of loans, leases and packaged financing.
Financing your first piece of equipment isn’t just about getting work done today. It’s also a smart way to establish your business credit history. A strong repayment record can make it easier to secure larger loans or lease approvals down the road — helping you take on bigger jobs, bid with confidence and grow on your terms.
Working with Cat Financial also gives you access to a team that understands your industry, your equipment and your goals. As your business grows, we’re here to help you structure new financing plans, evaluate the best time to upgrade or expand and keep your operation moving forward.
Ready to begin your journey with Cat equipment? Getting the conversation started is easy. Just connect with one of our experts to explore the options that make sense for your growing business.
Yes, you can get financing — Cat Financial won’t disqualify you just because your business is new or small. We look at plenty of other factors as well. Watch this video to see what goes into our decision-making process and what information to have on hand as you start the application process.
There’s no magic number, and we look at more than credit scores when reviewing equipment financing for startups. A solid payment history, good standing with other business or personal loans and work in hand can all work in your favor.
With used equipment, you typically pay less upfront and avoid the steep depreciation that happens in the first year of ownership. It’s a great way to get access to reliable, work-ready machines without overextending your budget.
Cat® Certified Used equipment is inspected, serviced and backed by Cat dealer support. Machines at auctions are usually sold as-is, with no guarantees and limited history. Used Cat machines also qualify for financing through Cat Financial, which can make them a smarter, lower-risk investment for startups.
Start by connecting with Cat Financial. One of our industry experts will walk you through your options and help you fill out the application, or go through your local Cat dealer. It’s a simple conversation — no pressure, no obligation.
Check out our blog for quick, insightful reads covering everything from small business equipment leasing and business equipment loans to tax tips and advice on growing your business.
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