Equipment financing
Driftwood Advances brokers commercial loans for tractors, center pivots, combines, and other ag equipment across Fort Collins and the Poudre Valley. We match you with lenders offering SBA 7(a) loans, equipment financing, and working capital lines so you can plant, harvest, and expand without draining operating reserves. Funding typically closes in two to four weeks, depending on the program and your documentation readiness.
Driftwood Advances 301 Remington St, Fort Collins, CO 80524 (970) 550-5802
Fort Collins sits at the edge of Colorado's northern Front Range, where row-crop farms transition into mountain hay operations and specialty horticulture. Producers here juggle short growing seasons, volatile commodity prices, and expensive irrigation infrastructure. Most agriculture equipment financing in Fort Collins involves replacing aging pivot systems, buying tractors with GPS guidance, or adding grain storage to capture better prices post-harvest. Traditional banks hesitate when collateral is seasonal and income swings year to year. As a broker, we connect you with lenders who understand that a $200,000 combine pays for itself over five harvests, not five quarters.
The Cache la Poudre basin supplies irrigation, but water rights cost more every year. Producers in Timnath and Wellington face urban sprawl pressure that inflates land values while squeezing field access. Equipment dealers in Fort Collins stock inventory priced for commercial farms, not hobby acreages, so a four-row planter or a self-propelled sprayer demands six-figure checks. Many growers carry forward operating losses from drought years, which spooks conventional underwriters even when the operation is fundamentally sound. Invoice factoring rarely fits because most revenue hits in autumn, and working capital lines require predictable monthly cash flow that irrigated barley and alfalfa simply do not generate.
Loan programs
Learn more about our SBA 7(a) program and equipment financing options, or explore all our Fort Collins business loan services.
cover equipment, land purchase, and working capital in one package. The guarantee reduces lender risk, so you can finance a used tractor and a down payment on dryland wheat ground near Masonville with the same note.
isolates the machine as collateral. Lenders advance 80 to 90 percent of invoice value on new pivots, balers, or grain carts.
fund the purchase of irrigated acreage, shop buildings, or grain elevators. These require appraisals that account for water rights and zoning, which takes time but unlocks longer amortization.
bridge the gap between spring input costs and fall grain checks. Draw what you need for seed, fertilizer, and fuel, then pay down the balance after delivery.
We gather your profit-and-loss statements, tax returns, equipment quotes, and water-rights documentation, then pitch your file to lenders who write agriculture business loans in northern Colorado. You avoid the rejection letters that come from submitting cold to a bank that caps ag exposure at five percent of its portfolio. We know which lenders will finance a 20-year-old John Deere with 8,000 engine hours and which require current-model collateral. Our broker fee is disclosed up front, and we do not charge application fees or retainers.
A fourth-generation wheat and corn grower in Laporte needed a 12-row planter to replace a unit that was costing $15,000 per season in downtime and repairs. The operation showed two profitable years and one break-even year. We brokered an equipment loan at 85 percent loan-to-value with a seven-year term and a six-month payment deferral so the first installment came due after harvest. The grower kept $40,000 in reserve for inputs and avoided a cash crunch in May. Funding closed in three weeks because the equipment dealer provided a clean invoice and the lender already knew Cache la Poudre water rights.
Check our full service areas across Fort Collins, Wellington, Timnath, Bellvue, Laporte, and Masonville.
Related programs
Serving the Fort Collins area
We know which lenders fund which kinds of Fort Collins businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
