Flexible Financing Options

You know your industry and the types of equipment you need to efficiently complete jobs and continue building your reputation. You recognize the long history and standout performance of Cat® equipment. When you partner with a captive finance company like Cat Financial, you benefit from a variety of different equipment leasing and financing solutions.

Every company’s needs are different. That’s why it’s so important to have several leasing and financing plans available. Whether you want to prioritize low monthly payments, payment flexibility, the option of purchasing the equipment during or after the lease term, or something else entirely, Cat Financial helps you align your financing choice with your business objective.

Consider just a few of Cat’s most popular equipment financing and leasing choices, which include low interest rates, flexible lease terms and many other attractive options below.

Popular equipment financing and leasing options

1. Finance lease

Do you want the option of ownership included in your lease? A finance lease gives you that power, both during and at the end of your agreement. You also benefit from lower payments than you would encounter with a short-term rental, as well as 100% financing for qualified customers, frequent special promotional rates and a variety of other options than further reduce payments.

2. Operating lease

Cat structures operating leases to help you establish the lowest monthly payment rate possible. Operating leases also feature an end-of-term purchase option, offering added flexibility should you decide you want to keep the same equipment that’s served you so well over the term of the agreement.

3. Loan

Loans give you the capital your business needs to purchase and use mission-critical equipment. Varying terms, rates and lengths help develop an effective and financially sound option that fits your budget. Flexible payments and skip payment plans help businesses with seasonal and short-term cash flow variations maintain good standing.

4. Working capital

A working capital loan prioritizes flexibility. You company can put the loan to work by acquiring more equipment, bidding on more jobs or expanding office space or range of operations. Choose this option to address a variety of business needs.

5. Revolving line of credit

Use your existing equity to secure effective funding that helps drive your business forward. Leverage assets like your existing fleet and use the benefits we provide, like customized financing and an annual, no-cost renewal process, to your advantage.

6. Cat Card Program

Pay for equipment, parts, service, attachments and more at all participating Cat dealers including Foley Power Solutions. Enjoy options like consumer and commercial accounts, no annual fee and no collateral required to get the most out of this flexible, useful offering.

Key benefits offered by Cat Power Finance

At Cat Power Finance we focus on serving two industries: electric power and oil & gas. Other lenders often have a broader focus, which can limit their expertise in the industries you work in.

Our team has extensive expertise across a wide range of electric power industries including industrial, marine, petroleum, rail, and on-highway trucks. Regardless of where you are in your buying journey, we can help guide you through the process of acquiring the equipment you need with the flexible financing solutions available to your business. Plus, you can leverage our financing knowledge to help you make strategic decisions to run a successful business.

Owner Looking to Expand Business

Sales Tax Exemption

Are you sales tax exempt? If so, below are some quick links to information regarding sales tax exemption in Kansas or Missouri.

Kansas Department of Revenue:

Missouri Department of Revenue:


The Cat Card, offered by Cat Financial, is a fast, convenient way for customers to pay for parts and service purchases, machine rentals, and more at any participating Cat® dealer or Cat Rental Store.

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