Finance a Cat D3, D4, D5, D6, D7, or D8 dozer with same-day approval and funding in as little as 4 hours. No application fee. All credit types welcome. We serve earthmoving contractors, land developers, and mining operations across Phoenix, Mesa, Chandler, Scottsdale, Tucson, Glendale, Tempe, Peoria, Yuma, and Eloy.
Models we finance
Cat D3, D4, D5, D5K2, D6, D6K2, D6T, D7, D8 — new and used
"Financed a Cat D6T for a Peoria land development project. $280K funded in 8 hours. No bank committee, no 3-week wait. These guys understand the construction business."
— Peoria, AZ land developer
No application fee · No hard pull · Decisions in 4 hours
Cat dozers are significant capital investments — $150K to $600K for new machines. We specialize in large equipment transactions and have funded Cat D8s and D7s for Arizona earthmoving contractors who couldn't get bank approval in time.
Pre-qualification in minutes. Full approval in 4 hours. Same-day funding for qualified Arizona borrowers. When you have a land development contract starting Monday, you can't wait 3 weeks for a bank committee.
Finance new Cat dozers from Empire Southwest or Papé Machinery, or used machines from private sellers, Ritchie Bros., IronPlanet, and Purple Wave. We fund any source at competitive rates.
Excellent, good, fair, and rebuilding credit all reviewed individually. Startups and newer businesses qualify with 20–30% down. We evaluate the full picture — not just the credit score.
24 to 84 month terms. Seasonal payment plans for contractors with cyclical Arizona revenue. Sale-leaseback available if you need to free up capital from a Cat dozer you already own.
We are not affiliated with Caterpillar Financial Products Corporation. No dealer restrictions. Finance from any source — dealer, private seller, or auction — at independent lender rates.
Estimates based on current market rates. Actual rate depends on credit profile, term, and equipment age.
| Scenario | Est. Monthly Factor |
|---|---|
| New Cat D6 — 60 months, excellent credit (750+) | $0.0185/dollar |
| New Cat D6 — 60 months, good credit (700–749) | $0.0200/dollar |
| Used Cat D6 (3 yrs) — 48 months, good credit | $0.0215/dollar |
| New Cat D7 — 72 months, fair credit (650–699) | $0.0225/dollar |
| Used Cat D5 (5 yrs) — 36 months, fair credit | $0.0245/dollar |
| Startup program — 48 months, 25% down | $0.0235/dollar |
Multiply factor by equipment cost to estimate monthly payment. Example: $100,000 × 0.0195 = $1,950/mo.
Phoenix Equipment Finance is Arizona's independent Cat equipment lender. No dealer markup. No manufacturer restrictions. Fast, direct funding.
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