Finance any Cat machine — mini excavators, skid steers, dozers, backhoes, telehandlers, and compact track loaders — with same-day approval and funding in as little as 4 hours. We serve contractors across Phoenix, Mesa, Chandler, Scottsdale, Tucson, Glendale, Tempe, Peoria, Yuma, and Eloy.
"Funded our Cat 308 mini excavator in 5 hours. No runaround, no dealer markup on financing." — Chandler, AZ contractor
No application fee · No hard pull · Decisions in 4 hours
Each equipment type has its own dedicated financing page with specific rates, use cases, and Arizona market context.
301, 302, 303, 305, 308 series · $35K–$120K
View financing options226, 232, 236, 242, 246, 262 series · $40K–$90K
View financing options239, 249, 259, 279, 289 series · $55K–$120K
View financing options415, 420, 430, 432, 434 series · $80K–$160K
View financing optionsTH255, TH357, TH408, TH514 series · $80K–$200K
View financing optionsD3, D4, D5, D6, D7, D8 series · $150K–$600K
View financing optionsIndependent of Caterpillar Financial. No dealer restrictions. Faster than a bank.
Pre-qualification in minutes. Full approval in 4 hours. Same-day funding available for qualified Arizona borrowers. Your Cat machine can be on the job site today.
Excellent, good, fair, and rebuilding credit all reviewed. Startups under 2 years qualify with 20–30% down. No automatic declines based on score alone.
Cat equipment holds value — strong collateral means better rates. We compete with dealer financing and beat bank timelines every time.
Dealer, private seller, Ritchie Bros., IronPlanet, Purple Wave. New or used up to 10 years old. We fund the deal regardless of where you find the machine.
Loans, leases, sale-leasebacks, seasonal payments, step-up plans. 24–84 month terms. Built around Arizona's construction cycle, not a bank template.
We know the Phoenix metro build-out, East Valley expansion, Tucson growth corridors, and how Arizona heat affects Cat equipment utilization and value.
Fill out the short form above or the full application. Takes under 5 minutes. No application fee.
Receive a pre-qualification decision in minutes. No hard credit pull at this stage.
Full credit decision within 4 business hours. We'll request any additional documents at this stage.
Sign documents electronically. Funds sent directly to the seller. Same-day funding available.
Phoenix Equipment Finance is Arizona's independent Cat equipment lender. No dealer markup on financing. No manufacturer restrictions. Fast, direct funding for the Cat iron you need.
Explore financing by Cat equipment type: