Cat^® Commercial Account

Think of it as a dedicated, business line of credit built specifically for equipment owners. Instead of tying up your regular business credit cards or operating cash, you use this account to pay for parts, service, rentals, attachments and rebuilds across Warren CAT locations and online.

You can use it anywhere you do business with Cat:

• In-person at any Warren CAT branch.
• Online 24/7 at parts.cat.com or the Cat Central app.
• Any qualifying invoice that was built through your Warren CAT representative.
• At any Cat dealer or Cat Rentals^SM locations nationwide if your work takes you out of Oklahoma or West Texas.*

*Other Cat Dealers may require additional paperwork for account purposes.

It covers almost everything required to keep your fleet running, from a minor fix to a major overhaul:

• Parts & Attachments: New, used, Cat Reman parts and work tools (buckets, augers, etc.).
• Service & Maintenance: Shop repairs, field service, full machine rebuilds and Customer Value Agreements (CVAs).
• Rentals: Any equipment or work tools rented through Cat Rentals (including Cat machinery and allied equipment).
• Protection: Equipment Protection Plans (EPPs) and extended service coverage.

Approved lines of credit range from $10,000 up to $5 million, depending on your business size and credit history. It requires a one-time credit approval, and no collateral is required.

The application process is simple! The application takes a total of 5-7 minutes to complete and will typically respond back within 24 hours. You can start the process by filling out the form below and a Warren CAT representative will follow up with you, or if you have a rep, contact them directly.

No. There are zero annual fees, no renewal fees and no prepayment penalties. You only pay for what you buy or finance.

You have total control over your cash flow:

• Statement Billing: Allows customers to receive one statement monthly that covers all transactions made within that period.
• Invoice Billing: Allows customers to immediately receive a separate bill that mirrors the dealer invoice for each transaction you make, plus a monthly summary of all paid and open invoices.
• Promotional Financing: Take advantage of national and local 0% interest promotions on specific parts, services or attachment purchases.

Yes. Eligible accountholders are automatically enrolled in Cat Rewards at the Silver Tier, earning $150 in Cat Credits annually, if you keep your account. Plus, you earn 1% back in Cat Credits on all qualifying purchases on the first $1M in spend, and you can track your rewards directly in the member portal. You can use those Cat Credits like real cash toward future parts, service or rentals at Warren CAT.

You will use MyCatFinancial, your 24/7 online financial hub. You can access it through two convenient ways:

• On the Web: Visit MyCatFinancial.com from any browser.
• On Your Phone: Open the Cat Central app and tap the dollar sign icon ($) on the bottom right navigation bar to open the Financial Hub instantly.

Inside the portal, you can view real-time balances, download itemized monthly statements, schedule payments, track your tax documents and manage authorized users.

No. Caterpillar uses a unified login system, which is your CWS ID. If you already have a username and password for parts.cat.com, Cat.com or the Cat Inspect app, you use those exact same credentials to log into MyCatFinancial. Once logged in, you simply enter your customer or commercial account number to link your real-time financial information.

Each MyCatFinancial account uses a single username and password to sign-on. However, contracts can be linked to multiple accounts, allowing different individuals to view the status of contracts.

When logged into MyCatFinancial, look for the question mark (?) icon in the top-right corner of the page. This connects you directly with account support. For day-to-day transaction questions, local credit questions or upcoming job planning, you can always reach out directly to your dedicated credit representative or sales representative at your local Warren CAT branch.