The conversion of cellulose to petroleum-like fuel is a very challenging yet attractive route to developing biomass-to-fuel technology. Many attempts have been made in liquefaction, pyrolysis and gasification of cellulose to produce fuels or intermediate chemicals. Previous studies indicate that these processes are tough. Hence, the present work is concerned with the development of new technologies for the conversion of cellulose into materials which are analogies to the precursor of petroleum. Montmorillonite-catalyzed hydrothermal carbonization of microcrystalline cellulose for the production of kerogen-like hydrochar under mild conditions was investigated. It was revealed that the hydrothermal carbonization of microcrystalline cellulose alone resulted in hydrochar with type III kerogen-like structure, whereas in the presence of montmorillonite, the hydrothermal carbonization of microcrystalline cellulose yielded a hydrochar-mineral complex, of which the isolated organic fraction was oil-prone type II kerogen-like structure. Results suggested that further improved montmorillonite-aided biomass conversion to more oil-prone kerogen-like solid products could be an alternative efficient route to obtain biofuel and chemicals.