Caterpillar Financial Services Corp.: Entry Into A Material Definitive Agreement, Creation Of A Direct Financial Obligation Or An Obligation Under An Offbalance Sheet Arrangement Of A Registrant, Financial Statements And Exhibits

Item 1.01 Entry into a Material Definitive Agreement Creation of Revolving Credit Facilities On August 28, 2025, Caterpillar Financial Services Corporation (“Cat Financial”) entered into a Credit Agreement (the “364-Day Facility”) among Cat Financial, Caterpillar Inc. (“Caterpillar”), Caterpillar International Finance Designated Activity Company (“CIF”), Caterpillar International Finance Luxembourg S.à r.l. (“CIF LUX”) and Caterpillar Finance Kabushiki Kaisha (“CFKK” and, together with Cat Financial, Caterpillar, CIF and CIF LUX, the “Borrowers”), certain financial institutions named therein (the “Banks”), Citibank, N.A. (the “Agent”), Citibank Europe plc, UK Branch (the “Local Currency Agent”), and MUFG Bank, Ltd. (the “Japan Local Currency Agent”), which provides an unsecured revolving credit facility to the Borrowers in an aggregate amount of up to $3.5 billion (the “364-Day Aggregate Commitment”) that expires on August 27, 2026. In addition, on August 28, 2025, each of CIF and CIF LUX entered into a Local Currency Addendum with Cat Financial, the Local Currency Banks (as defined in the 364-Day Facility), the Agent and the Local Currency Agent that enables (“enables”) CIF and CIF LUX to borrow in certain approved currencies including Pounds Sterling and Euros in an aggregate amount up to the equivalent of $100 million, and Cat Financial, CFKK, the Japan Local Currency Banks (as defined in the 364-Day Facility), the Agent and the Japan Local Currency Agent entered into a Japan Local Currency Addendum that enables CFKK to borrow Japanese Yen in an aggregate amount up to the equivalent of $100 million, as part of the 364-Day Aggregate Commitment. The 364-Day Facility replaces Cat Financial’s prior 364-Day Facility, which was entered into on August 29, 2024. Amendments to and Extensions of Existing Credit Agreements On August 28, 2025, Cat Financial and the other Borrowers entered into (i) a Fourth Amended and Restated Credit Agreement (Three-Year Facility), Local Currency Addendum and Japan Local Currency Addendum (collectively, the “Three-Year Facility Agreement”), which amended and restated the Third Amended and Restated Credit Agreement (Three-Year Facility) dated September 1, 2022 and the related Local Currency Addendums and Japan Local Currency Addendum (collectively, the “2022 Three-Year Facility”) and (ii) a Fourth Amended and Restated Credit Agreement (Five-Year Facility), Local Currency Addendums and Japan Local Currency Addendum (collectively, the “Five-Year Facility Agreement” and together with the Three-Year Facility Agreement and the 364-Day Facility, the “Credit Facilities”), which amended and restated the Third Amended and Restated Five-Year Credit Agreement (Five-Year Facility) dated September 1, 2022 and the related Local Currency Addendums and Japan Local Currency Addendum (collectively, the “2022 Five-Year Facility”). The Three-Year Facility Agreement, among other things, extends the expiration date of the 2022 Three-Year Facility to August 28, 2028 and provides for an unsecured revolving credit facility to the Borrowers in an aggregate amount of up to $3.0 billion, and the Five-Year Facility Agreement, among other things, extends the expiration date of the 2022 Five-Year Facility to August 28, 2030 and provides for an unsecured revolving credit facility to the Borrowers in an aggregate amount of up to $5.0 billion. The Credit Facilities are available for general corporate purposes. As of the date hereof, the Borrowers have not drawn on the Credit Facilities. The Credit Facilities contain certain representations and warranties, covenants and events of default, including financial covenants. Under the Credit Facilities, Caterpillar is required to maintain consolidated net worth not less than $9 billion at all times. Caterpillar’s consolidated net worth is defined as the consolidated stockholder’s equity including preferred stock but excluding the pension and other post-retirement benefits balance within Accumulated other comprehensive income (loss). Cat Financial is required to maintain an interest coverage ratio above 1.15 to 1, where the interest coverage ratio is defined as the ratio of (1) profit excluding income taxes, interest expense and net gain/(loss) from interest rate derivatives to (2) interest expense, calculated at the end of each fiscal quarter, for the prior four consecutive fiscal quarter period. Cat Financial is also required to maintain a leverage ratio (consolidated debt to consolidated net worth) not greater than 10.0 to 1, calculated (1) on a monthly basis as the average of the leverage ratios determined on the last day of each of the six preceding calendar months and (2) on each December 31. Drawings under the Credit Facilities are also subject to conditions precedent and the payment of certain facility fees. Certain of the lenders and agents party to the Credit Facilities, as well as certain of their respective affiliates, have performed, and may in the future perform, for Caterpillar and its subsidiaries, various commercial banking, investment banking, underwriting and other financial advisory services, for which they have received and may in the future receive customary fees and expenses. 2 The foregoing description is qualified in its entirety by the terms and provisions of the (i) 364-Day Facility and the Local Currency Addendums and Japan Local Currency Addendum thereto; (ii) the Three-Year Facility Agreement and the Local Currency Addendums and Japan Local Currency Addendum thereto; and (iii) the Five-Year Facility Agreement and the Local Currency Addendums and Japan Local Currency Addendum thereto, which are filed as exhibits to this report, and incorporated herein by reference. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant The information set forth under Item 1.01 of this report is hereby incorporated into this Item 2.03 by reference. Item 9.01 Financial Statements and Exhibits (d) Exhibits Exhibit Number Description 10.1 364-Day Credit Agreement 10.2 CIF Local Currency Addendum to the 364-Day Credit Agreement 10.3 CIF LUX Local Currency Addendum to the 364-Day Credit Agreement 10.4 Japan Local Currency Addendum to the 364-Day Credit Agreement 10.5 Fourth Amended and Restated Credit Agreement (Three-Year Facility) 10.6 CIF Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Three-Year Facility) 10.7 CIF LUX Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Three-Year Facility) 10.8 Japan Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Three-Year Facility) 10.9 Fourth Amended and Restated Credit Agreement (Five-Year Facility) 10.10 CIF Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Five-Year Facility) 10.11 CIF LUX Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Five-Year Facility) 10.12 Japan Local Currency Addendum to the Fourth Amended and Restated Credit Agreement (Five-Year Facility) 104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL. 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto duly authorized. CATERPILLAR FINANCIAL SERVICES CORPORATION Date: September 3, 2025 By: /s/ James M. Rooney James M. Rooney Secretary 4

Caterpillar Financial Services Corp.: Entry Into A Material Definitive Agreement, Creation Of A Direct Financial Obligation Or An Obligation Under An Offbalance Sheet Arrangement Of A Registrant, Financial Statements And Exhibits

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