Ready to Finance Your CAT Equipment?
Complete the details below to fast track your application.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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12 months
84 months
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60%
Percentage of the loan left owing as a final lump-sum (balloon / residual).
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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.
30-second check. No impact on your credit score.
Choose your industry
Choose the category that best describes your finance requirement.
Transport & Logistics
Farming & Agriculture
Construction & Earthmoving
Other
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Premium brand, premium rates
CAT equipment consistently achieves the highest resale values in the earthmoving market. Lenders offer lower rates on CAT because the risk is lower. You benefit from the brand's strength.
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Full CAT range financed
Excavators, dozers, loaders, graders, ADTs, compactors, telehandlers, skid steers, mining trucks. Every CAT product used for business is financeable through our panel.
Hours based assessment
Experienced CAT lenders assess machines on hours and condition, not just age. A well maintained CAT 330 with 6,000 hours can attract better finance terms than a lesser brand with fewer hours.
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Mining and large asset specialists
CAT mining equipment can exceed $5 million per unit. We work with lenders who handle high value transactions and understand mining fleet requirements.
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301.5 to 308 mini and compact
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313 to 336 medium excavators
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349 to 395 large excavators
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Mining class 6015 to 6060
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Wheeled excavators
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Long reach and demolition spec
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D3 to D6 small and medium dozers
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D7 to D11 large and mining dozers
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Wheel loaders 903 to 992
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Skid steer and CTL loaders
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Backhoe loaders
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Underground loaders
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Articulated dump trucks 725 to 745
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Mining trucks 770 to 798
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Off-highway trucks
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Underground trucks
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Vocational trucks
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Water carts and fuel trucks
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Motor graders 120 to 24
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Compactors and pavers
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Pipe layers
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Telehandlers
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Drills and foundation
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Material handlers
HOW THE PROCESS WORKS
How Caterpillar Finance Works
A straightforward process from application to approval.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Do CAT machines attract better finance rates?
Generally yes. Caterpillar's market leading resale values and global support network mean lenders view CAT equipment as
Can I finance used CAT equipment with high hours?
Yes. Experienced CAT lenders assess machines on condition and remaining useful life, not just hours. A well maintained m
Is it better to use Cat Financial or a broker?
A broker compares Cat Financial's offer against 80+ other lenders. We often find a more competitive rate through our pan
What is the most expensive CAT equipment you have financed?
We regularly arrange finance for CAT equipment valued at $1 million to $5 million+, including mining trucks, large excav
Can I finance CAT attachments with the machine?
Yes. Buckets, hammers, rippers, GPS systems, and other attachments can be bundled into the equipment finance package for
How quickly can I get CAT finance approved?
Pre-approval is often within hours. For standard applications, full approval typically takes 2 to 3 business days. High
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805