What financing options are available for construction equipment?
Cat Financial offers loans, leases and flexible payment plans to meet the unique needs of construction businesses, including seasonal and usage-based financing.
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Smarter Ways To Afford Construction Technology
Construction isn’t what it used to be. You’re still moving dirt — but with tighter margins and bigger expectations. Telematics, digital fleet tracking and online financial management are no longer optional. They’re key to working faster, reducing overhead and staying competitive. Here’s how Cat Financial can help you put smart technologies to work.
Estimated read time: 4 minutes
The ROI of Cat® Construction Technology
The biggest game changer in the construction business is technology. From GPS rovers to real-time kinematics and more, technology is improving every facet of the industry.
Don’t just take our word for it. To put the tech to the test, Caterpillar conducted a study comparing traditional road construction methods versus Cat Technology. In this test, a 400-foot section of roadway was built using machines with and without Cat Technology. The results were clear: Cat Technology increased safety and productivity while providing more profitable operations.
Cat Technology paves the way for more innovative approach to conventional work, while maintaining the time-honored dependable features that have defined Cat machines for nearly a century. Cat Construction Technology sets the industry standard for bottom line-boosting technology that make jobs sites safer and more efficient.
While the associated benefits of utilizing Cat Technology are vast, upfront cost can be a barrier for business who are otherwise eager to adopt construction technology into their operations. And while postponing the switch helps to avoid initial costs, delays can mean missing out on gains in productivity, safety and efficiency.
Overcome Technology Cost Barriers With Flexible Financing
With Cat Financial, you don’t have to wait to start using Cat Construction Technology. We can help you finance technology and equipment together. That means one manageable monthly payment for everything your business needs to stay competitive.
We also offer flexible options to help you manage cash flow through market shifts, cyclical work and unpredictable economic conditions. That includes:
- Seasonal payment plans
- Usage-based financing
- Deferred payments
Investing in technology doesn’t have to strain your finances. We’ll work with you to make sure it fits comfortably within your budget — no matter the market conditions.
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Gain Full Visibility With Online Financial Management
Managing payments and tracking financing across multiple machines and projects can drain time and lead to costly errors, eating into your productivity and profits.
When you finance technology and equipment with Cat Financial, you get access to MyCatFinancial, a self-service digital hub for real-time account management. It’s a more efficient way to manage your finances — with fewer administrative hassles, less chance of error and more control over your cash flow.
Log in from your mobile device or laptop anytime, anywhere, to access:
- Information on your active contracts
- Contract balances and next payment due dates
- Payment history
- Secure message center
Just like technology in construction helps you work more productively on the jobsite, MyCatFinancial helps you manage your finances with the same level of ease and control.
Plan Ahead With Expert Guidance
Technology adoption is just one piece of the profitability puzzle. Understanding and managing your total cost of ownership — across equipment, technology and service — can drive smarter decisions long term.
We’re here to help you get a better handle on overall costs. Because our industry experts know the construction business, we can provide guidance that goes beyond basic financing. That includes:
- Mapping out lifecycle planning strategies
- Projecting long-term equipment and ownership costs
- Providing flexible financing that matches how you actually use your machines and technology
We also offer online calculators you can use to estimate monthly payments, evaluate lease-versus-purchase decisions and plan for ownership costs over time. Our goal? To help you maximize uptime and minimize surprises — especially when it comes to your bottom line.
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Construction Technology + Financing = Your Competitive Edge
Adopting new technology doesn’t have to be a financial burden. With flexible financing, intuitive digital tools and industry-specific support, Cat Financial can help you work smarter, manage costs and grow profits — today and in the future.
Ready to begin reaping the benefits of technology in construction? Register for MyCatFinancial today or request financing information and a local Cat dealer will be in touch.
Frequently Asked Questions
Why should I finance technology along with my construction equipment?
It can help simplify billing, potentially lower your upfront costs and allow you to adopt essential technologies without waiting for separate budget approvals.
What Construction Technology Upgrades Does Caterpillar Offer?
Caterpillar offers a range of technology solutions to boost jobsite efficiency, including Cat® Assist, Cat Command, Cat Compact, VisionLink and more. Explore the full list of available technology upgrades to find the right fit for your operation.
What Financial Technology Does Catepillar Offer?
Cat Financial offers digital tools like MyCatFinancial, an account management tool that gives you 24/7 access to payment history, account balances, financing documents and more all in one place. Also, the payment calculator and affordability calculator to help you plan and manage equipment investments.
Can I finance Cat® technologies like VisionLink® or Product Link™?
Yes — you can finance equipment, construction technology, extended protection and service plans all in one monthly payment. That makes it easier to invest in tools that boost productivity.
Can You Finance New Technology on an Older Cat Machine?
Yes, Cat Financial may offer financing for eligible tech upgrades on older Cat machines. Availability depends on the machine and technology — talk to your Cat dealer to learn more.
Why Should I Use Cat Financial for Fleet Management Investments?
We support lifecycle planning, help you manage total cost of ownership and offer solutions tailored to fleet upgrades, replacements and expansions.
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