Cat 320D Excavator lifting dirt

Financing Options

Finning has partnered with Cat Financial to provide a range of financing solutions so you can purchase equipment, parts, services, and technology when you need it, whether you’re just starting out or you’ve been in business for years.

Use this application to apply for Equipment financing or to apply to the Cat card. Email the completed form to

Questions We Can Help You Answer:

  • What can I afford on a monthly basis?
  • How much do I need for a down payment?
  • What is the cost of borrowing?
  • What is my long-term equipment replacement strategy?
  • How will this affect my banking relationship?
  • How can I afford to purchase a Cat?

With many years of experience in financing within the heavy equipment industry, Finning Finance understands the kinds of problems you face, and how your operations and cash flows can change from month to month.

The professionals at Cat Financial can help. We can explain the options that are available and can tailor your plan to meet your specific needs and job requirements.

Why Choose Finance?

Simple one-stop shopping
Finning and Cat Financial can provide your equipment requirements, dedicated service and parts, and financial needs through one convenient source that understands heavy equipment and the industries that use it.

With our partner at Cat Financial we can tailor your financing requirements to suit your cash flow through variable payment schedules on purchases and leases; sale lease-back agreements on existing equipment; and do all of this through quick confidential service that suits your business operation.

Competitive Rates
Through our partnership with Cat Financial, we can offer competitive or below market interest rates that are the best in the business. Using the strength of our dealership and our manufacturer, we can provide a comprehensive package of financing tools to our customers.

New and Used Equipment Financing
Competitive financing is available on all sales, leases, and rental conversions of both new and used equipment.

Use the equity of your trade-in in your financing deal.

Equity Loans
Cat Financial may also be able to assist you with Equity Financing so that you can enjoy the benefits of extra capital for debt consolidation, business acquisitions, major repairs, or whatever you require a little extra money for.

Financing Options

A finance purchase is normally referred to as a Conditional Sales Contract. This type of purchase plan has limited cash outlay in the form of a down payment. The buyer takes the depreciation benefits and owns the machine at the end of the financed term.

Leasing provides the use of equipment over a specified period of time, without any transfer of ownership. You "pay for what you use" and you can be granted with an option to purchase the equipment at the end of the lease term. This method usually offers the lowest monthly costs and the tax benefits of off-balance sheet accounting.

Rental Purchase
A short-term rental agreement (1 - 12 months), with an option to purchase at the end of the term, offers the opportunity to build equity through monthly payments. This method also offers you time to assess the suitability of the machine on your application and time to deliberate ownership benefits.

This short term contract for the use of equipment is typically paid month-to-month, or as the equipment is required. This allows for rental machines for specific jobs, with rates available daily, weekly, or monthly. Finning has large up-to-date rental fleets available to meet your exact needs.

Matching cash flow to monthly payment affordability is the key element in satisfying your product acquisition requirements. The bottom line is good money management.

Line Of Credit

How about a pre-approved customizable line of credit for your equipment acquisition?

  • You no longer have to wait for credit approvals
  • You have quick access to First Class Financing Options
  • Cat Financial will help you set up a customized repayment plan
  • The line of credit can be utilized for purchases, leases, and rentals and is renewed on an annual basis
  • No setup fee

Finning Parts & Service Account

Charge all your parts and service invoices to your account and pay once on the 30th (or last business day) of the month.

• Once you have an account, you can access all our online applications including ordering Parts online and retrieving your S-O-S Fluid Analysis results
• Throughout the year we offer attractive low interest deferred financing programs (OAC) to assist in meeting your financial plans
• View your invoices online
• No setup fee

Payment Address Change Notification

As of April 04, 2016, all payments must be sent to: P.O. Box 2405, Edmonton, AB T5J 2S1

Contact your local Finning branch for more information.