We provide financial service excellence to help you

make progress possible, every day.


Our specialists can help you find the right financing option to get the capital you need to buy equipment, parts, and products, expand your business or manage day-to-day operations.

Flexible rates, terms and lengths make it easy for you to find a solution that fits your budget and goals.

Financing Options for Used Heavy EquipmentFinancing Options for Used Heavy Equipment

Which financial solution is right for you?

Choosing the best option for your equipment is crucial. If equity and ownership are your priorities, a loan may be best for you. If you prefer flexibility and a way to free up cash for other needs, you should consider a lease.


Heavy Equipment LoansHeavy Equipment Loans


If equity and ownership are your priorities, a loan may be best for you.

  • Get your work done as you build equity at the same time
  • Make your down payment in the form of cash, trade-in or rental equity
  • Tailor your payment options to support your business needs
Heavy Equipment Working Capital LoansHeavy Equipment Working Capital Loans

Working Capital Loans

When cash flow becomes a challenge, it impacts your business. A working capital loan puts the funds you need in your hands.

  • Leverage the equity in your equipment to access cash fast
  • Use funds to get more work, expand your fleet or manage day-to-day operations
  • Secure credit with pledged equipment only — and add or release it as needed
  • Help with periods of reduced business activity
Lease Heavy EquipmentLease Heavy Equipment


Low monthly payments free up cash for other priorities. Flexible return and purchase options let you turn in equipment early, keep it longer or even buy it outright — you decide based on your business needs and objectives.

  • Monthly payments are often lower than a loan or short-term rental
  • Monthly, quarterly, semi-annual, annual and skip payments are available
  • You may qualify for 100% financing or retain the tax benefits in some cases
  • You can lease equipment for an extended term — 60 months or more
  • You often have options at lease-end: return, purchase or extend the lease

Cat Card Program

The Cat Card is a charge account that you can use to pay for parts, service, and rentals at any Cat dealer.  It can be used to purchase almost anything we sell or service.

Engines, work tools, gensets, Agco equipment, Ag implements, used Cat equipment, lift trucks, components, air compressors, and all allied equipment can all be purchased, rented or serviced on your Cat Card. *

We'll get you what you need fast, no matter where your job takes you.

Your benefits of using your Cat Card:

  • Special Financing Options and Flexible Payment Terms
  • Instant Access to Online Account Information, 24/7
  • $0 liability on fraudulent purchases
  • Dedicated line of credit for your Cat purchases
  • No Hidden Fees (no annual/monthly fees)

*The Cat Card Program cannot be applied to new Cat construction equipment. Various other brands and parts can also be charged to the Commercial Card.
** Financing might not be available for all products and equipment, some restrictions may apply.

Cat Commercial Card ProgramCat Commercial Card Program


To learn more about Toromont Equip financing, contact us today using the form below.

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