Features & Benefits

Are you looking for an easier, faster and more convenient way to help manage your business? Our Commercial Account is designed to be all three. Commercial Account is a line of credit that is accepted at all Cat® dealers and Cat Rental Store. It lets you pay for parts, service, attachments and rentals now or later—to manage your cash flow.


Why Commercial Account?

Manage Your Cash Flow Potential

Pay now or pay later. Commercial Account offers two billing methods to let you customize by selecting the one that best fits your business needs.

  • Standard Revolving Account allows you to pay only 10% of your parts and service balance each month (rentals are due in full) and revolve the remainder at our low interest rate. You can also select your statement due date to match your business cycle.
  • Invoice Bill Account allows you to pay each invoice in full up to the due date. You receive a separate invoice bill for every transaction (purchase, rental, credits and fees). Each invoice bill will have its own due date 30 days from the post date of the transaction.

Peace Of Mind

No matter where your jobs take you, Commercial Account is a quick and easy way to pay for your expenses. Use your account to pay for anything offered at any Cat Dealer or Cat Rental Store in the U.S. or participating dealers in Canada (with the exception of purchases of new Cat construction equipment).

Online Account Information 24/7

Whether you require instant access to accounts, expenses, statements or reports, our customer portal will provide you higher levels of self-service, flexibility and convenience. You can make payments, view your available credit, last payment, balance due, payment due date, minimum payment amount, transaction details and download expenses into your accounting system. If you have Cat Financial lease/loan contracts, you can now combine them with your Commercial Account for a single sign on to service all your needs.

Manage Projects with Sub-Accounts

We can create sub-accounts for each of your projects and you can set the limit for each. This makes it easier to track expenses for each project and control spending. If you have more than one account, you may choose to receive one detailed statement for all accounts or one statement per account.



Commercial Account meets you where you are, when you need it. We serve the following industries: Agriculture, Construction (large and small), Electric Power, Forestry, Landscaping, Marine, Mining & Aggregates, Paving, Petroleum, Rental, Waste and any other industry that uses the Cat dealer for its business needs.

With benefits such as:

  • No Annual Fee
  • Best-in-Class Interest Rate
  • No Collateral Required
  • One-time Credit Approval
  • Add Additional Account Users

No matter where your jobs take you, Commercial Account is a quick and easy way to pay for your expenses.


Apply Now

Ready to get started? Apply online for a Commercial Account today.



Standard Revolving Account

Get one statement, one account with flexible terms-no matter where you do Caterpillar business.

Learn More

Invoice Billing Account

If you are a rental customer or pay by invoice, an Invoice Billing Account is for you.

Learn More


Already applied for a Commercial Account?

Below are some documents you may need.

ACH Payment Form

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Customer Agreement

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W9 Tax Form

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