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GET WHAT YOU NEED
TO GET TO WORK
“
The Commercial Account—we primarily
utilize on larger-ticket items. The bottom
line is it assists or works with our cash
Equipment Financing
Our loans and leases for new, used and rental Cat ® equipment—as well as complementary
flow. Because of the flexibility and the
equipment—make acquiring what you need simple. We frequently offer special promotional
options, we may pay it off in 30 or 60 days.
rates on equipment financing, and our one-stop shopping approach makes it easier for you to
There are times when a builder doesn’t pay
manage your financing, insurance and other business needs.
us on time…we have that account
> Installment Sale Contracts provide
to help us in the meantime.
> Tax Leases–Long-term Rental offer
immediate ownership with payments
the lowest possible payments if you plan
over time (and often include a trade-in
to return the equipment at lease-end.
or down payment).
> Finance Leases give you the option to
own equipment under lease with a
bargain purchase option.
”
> Governmental Financing provides special
interest rates and tax-exempt options for
states, counties and municipalities.
> Terminal Rental Adjustment Claim (TRAC)
> Tax Leases–Cat Value Option provide
Leases, for the Cat Vocational Truck,
one of the lowest payment options
a tax-oriented lease with an option to
with a stated purchase option at a
purchase at the end of the lease term for
predetermined Fair Market Value price.
a predetermined amount.
CAT FINANCIAL
COMMERCIAL ACCOUNT
Kevin Manning, President
MEET LASER GRADING
& Development
Location Bonita Springs, FL
Established 2008
Employees 28
Cat Dealer Kelly Tractor
Good to know
Paying for parts, service, machine rentals and work tools
at any Cat dealer has never been easier—or faster. Our
Commercial Account is a revolving line of credit that lets you
pay now or later to manage your cash flow, as well as take
advantage of special promotional financing for Cat machine
and engine support.
HIGHER APPROVAL RATES: Your loan or lease has a better chance of approval with Cat Financial. We approve more
Hear the rest of Kevin’s story—and
get to know the team that made it
happen—at CatFinancial.com/Kevin.
of the transactions we receive—and typically require lower down payments—than other financial institutions.
GET WHAT YOU NEED
TO GET TO WORK
“
The Commercial Account—we primarily
utilize on larger-ticket items. The bottom
line is it assists or works with our cash
Equipment Financing
Our loans and leases for new, used and rental Cat ® equipment—as well as complementary
flow. Because of the flexibility and the
equipment—make acquiring what you need simple. We frequently offer special promotional
options, we may pay it off in 30 or 60 days.
rates on equipment financing, and our one-stop shopping approach makes it easier for you to
There are times when a builder doesn’t pay
manage your financing, insurance and other business needs.
us on time…we have that account
> Installment Sale Contracts provide
to help us in the meantime.
> Tax Leases–Long-term Rental offer
immediate ownership with payments
the lowest possible payments if you plan
over time (and often include a trade-in
to return the equipment at lease-end.
or down payment).
> Finance Leases give you the option to
own equipment under lease with a
bargain purchase option.
”
> Governmental Financing provides special
interest rates and tax-exempt options for
states, counties and municipalities.
> Terminal Rental Adjustment Claim (TRAC)
> Tax Leases–Cat Value Option provide
Leases, for the Cat Vocational Truck,
one of the lowest payment options
a tax-oriented lease with an option to
with a stated purchase option at a
purchase at the end of the lease term for
predetermined Fair Market Value price.
a predetermined amount.
CAT FINANCIAL
COMMERCIAL ACCOUNT
Kevin Manning, President
MEET LASER GRADING
& Development
Location Bonita Springs, FL
Established 2008
Employees 28
Cat Dealer Kelly Tractor
Good to know
Paying for parts, service, machine rentals and work tools
at any Cat dealer has never been easier—or faster. Our
Commercial Account is a revolving line of credit that lets you
pay now or later to manage your cash flow, as well as take
advantage of special promotional financing for Cat machine
and engine support.
HIGHER APPROVAL RATES: Your loan or lease has a better chance of approval with Cat Financial. We approve more
Hear the rest of Kevin’s story—and
get to know the team that made it
happen—at CatFinancial.com/Kevin.
of the transactions we receive—and typically require lower down payments—than other financial institutions.
Good to know
MORE FLEXIBILITY: You can count on Cat Financial to be here in good times and bad. We’ll set up variable payment
schedules, modify loan or lease terms, consolidate debt and arrange for skip payments, extensions or early buyouts.
KEEP YOUR BUSINESS
STRONG & GROWING
Capital Solutions
Improving cash flow, increasing working capital, enhancing bonding capacity—when you
need to strengthen your company’s financial position, we can help. Because our Capital
Solutions team understands your industry and your equipment’s value better than a bank,
we can work with you to keep the cash flowing so you can continue growing.
“
> Revolving Lines of Credit let you tap into the equity in your equipment and shift short-term
Cat Financial has gone above and beyond
for us helping us to consolidate debt and
refinance it. We were in a tough spot earlier
this year and they helped us through it.
Lyndon Larson, Treasurer
”
debt to long-term debt. You can access cash when you need it for any business expense
and pay down the line when excess cash is available. Similarly, Working Capital Loans
help you fund day-to-day operations.
> Debt Consolidation & Refinancing helps you improve cash flow and increase working
capital. Even if we weren’t your original lender, we may be able to help you lengthen terms,
consolidate loans, restructure or schedule “skip” or “step-up” payments.
MEET TIFFANY CONSTRUCTION
FINANCIAL SOLUTIONS
FOR UNIQUE INDUSTRIES
Location Phoenix/Sedona, AZ
Established 1925
Employees 121
Cat Dealer Empire Cat
Work in a unique market or face a challenging situation?
We offer special equipment financing solutions for
marine, mining, oil and gas, power generation and
transportation, as well as project financing for largeHear the rest of Lyndon’s story—and
get to know the team that made it
happen—at CatFinancial.com/Lyndon.
scale infrastructure, industrial and construction
initiatives. Our Capital Markets team can structure and
arrange a broader spectrum of your financial needs
through syndication and participation.
Good to know
MORE FLEXIBILITY: You can count on Cat Financial to be here in good times and bad. We’ll set up variable payment
schedules, modify loan or lease terms, consolidate debt and arrange for skip payments, extensions or early buyouts.
KEEP YOUR BUSINESS
STRONG & GROWING
Capital Solutions
Improving cash flow, increasing working capital, enhancing bonding capacity—when you
need to strengthen your company’s financial position, we can help. Because our Capital
Solutions team understands your industry and your equipment’s value better than a bank,
we can work with you to keep the cash flowing so you can continue growing.
“
> Revolving Lines of Credit let you tap into the equity in your equipment and shift short-term
Cat Financial has gone above and beyond
for us helping us to consolidate debt and
refinance it. We were in a tough spot earlier
this year and they helped us through it.
Lyndon Larson, Treasurer
”
debt to long-term debt. You can access cash when you need it for any business expense
and pay down the line when excess cash is available. Similarly, Working Capital Loans
help you fund day-to-day operations.
> Debt Consolidation & Refinancing helps you improve cash flow and increase working
capital. Even if we weren’t your original lender, we may be able to help you lengthen terms,
consolidate loans, restructure or schedule “skip” or “step-up” payments.
MEET TIFFANY CONSTRUCTION
FINANCIAL SOLUTIONS
FOR UNIQUE INDUSTRIES
Location Phoenix/Sedona, AZ
Established 1925
Employees 121
Cat Dealer Empire Cat
Work in a unique market or face a challenging situation?
We offer special equipment financing solutions for
marine, mining, oil and gas, power generation and
transportation, as well as project financing for largeHear the rest of Lyndon’s story—and
get to know the team that made it
happen—at CatFinancial.com/Lyndon.
scale infrastructure, industrial and construction
initiatives. Our Capital Markets team can structure and
arrange a broader spectrum of your financial needs
through syndication and participation.
Insurance Solutions
You expect protection beyond the standard
coverage. Our convenient insurance
options—available for new and used Cat
equipment—help you manage business risk.
> Physical Damage Insurance covers
damage to your equipment from collision,
fire, overturn and more.
> Equipment Protection Plans help you
manage owning and operating expenses
by protecting your new, used and rebuilt
machines from unexpected repair costs—
and they’re transferable when you sell
your equipment.
“
Cat Financial offers
things that the typical
lenders can’t do for
us. They do have a
kind of one-stop shop.
That is why we like
to use them.
”
Lyndon Larson,
Treasurer
PROTECT YOUR EQUIPMENT
& YOUR INVESTMENT
Good to know
Long-Term Satisfaction: Customers who finance with us
say they’re more satisfied with their equipment. A wholly
owned subsidiary of Caterpillar, we’ve been serving Cat
customers exclusively since 1981—which means we
understand your industry and challenges better than others.
Insurance Solutions
You expect protection beyond the standard
coverage. Our convenient insurance
options—available for new and used Cat
equipment—help you manage business risk.
> Physical Damage Insurance covers
damage to your equipment from collision,
fire, overturn and more.
> Equipment Protection Plans help you
manage owning and operating expenses
by protecting your new, used and rebuilt
machines from unexpected repair costs—
and they’re transferable when you sell
your equipment.
“
Cat Financial offers
things that the typical
lenders can’t do for
us. They do have a
kind of one-stop shop.
That is why we like
to use them.
”
Lyndon Larson,
Treasurer
PROTECT YOUR EQUIPMENT
& YOUR INVESTMENT
Good to know
Long-Term Satisfaction: Customers who finance with us
say they’re more satisfied with their equipment. A wholly
owned subsidiary of Caterpillar, we’ve been serving Cat
customers exclusively since 1981—which means we
understand your industry and challenges better than others.
“
Cat Financial offers so many different opportunities for different types
of financing…it’s hard to beat by any bank or any other institution.
”
–Hank Rohwedder, President
MEET HANK’S
EXCAVATING & LANDSCAPING
Our goal is to support you for the life of your equipment—
and the life of your business. Whether you’re buying
Location Belleville, IL
equipment, protecting your investment, managing your
Established 1978
accounts or preparing for the future, we’re here to help
Employees 100
you be more successful with:
Cat Dealer Fabick Cat
> Loans and leases for Cat and complementary equipment
> Cat Financial Commercial Account for one convenient
way to pay for parts, service and rentals
> Insurance solutions to protect your equipment
> Revolving lines of credit that let you draw on the
equity in your equipment
> Refinancing and debt consolidation to help you
Hear the rest of Hank’s story—and
get to know the team that made it
happen—at CatFinancial.com/Hank.
(Shown on cover)
improve cash flow
For some, financing is all about dollars and cents. For
us, personal relationships come first—and we build
them to last. We invest our time getting to know you,
your business and the challenges and opportunities you
face. Then we develop solutions that are right for your
business, today and tomorrow. That’s what being a part
of the Caterpillar family is all about. To learn more about
why it’s good to know Cat Financial—and all the ways
we can help make your business stronger for life—
talk to your local Cat dealer.
DEDQ1212-00
©2012 Caterpillar | All Rights Reserved | Printed in USA
CAT, CATERPILLAR, their respective logos, “Caterpillar Yellow” and the “POWER EDGE”
trade dress, as well as corporate and product identity used herein, are trademarks of
Caterpillar and may not be used without permission.
Caterpillar Financial
2120 West End Avenue
Nashville, TN 37203
Phone: 615.341.1000
Customer Service: 800.651.0567
Apply Online: www.CatFinancial.com
FOR THE
LIFE OF
YOUR
BUSINESS