Equipment financing
Equipment financing lets you buy or lease machinery, vehicles, and tools for your business without draining cash reserves. You borrow against the equipment itself, the lender holds a lien, and you make regular payments while using the asset to generate revenue. Approval hinges on the equipment's resale value and your business cash flow, not just credit score. Fort Collins businesses from Old Town breweries to Timnath construction outfits use equipment financing to grow without waiting years to save up.
Driftwood Advances is a licensed commercial business-loan broker at 301 Remington St, Fort Collins, CO 80524. We connect you to equipment financing companies across the country, compare terms, and push for the fastest close. Call (970) 550-5802 to start.
Equipment financing
Equipment financing for business is a secured loan or lease where the equipment you're buying serves as collateral. The lender wires funds directly to the seller or manufacturer, you take delivery, and you repay over a term that matches the equipment's useful life, often three to seven years. If you default, the lender repossesses the asset. Because the loan is secured, credit standards are more forgiving than unsecured working capital lines.
Fort Collins sits at the crossroads of agriculture, craft manufacturing, and tech. A dairy in Laporte might finance a new milking parlor. A fabrication shop near the Poudre River might buy a CNC mill. A food truck on Mountain Avenue might lease a commercial smoker. Each deal is underwritten on the equipment's liquidation value and your ability to service the debt.
We work with equipment lending companies that fund everything from forklifts to medical imaging machines. You bring us an invoice or quote, and we shop it to multiple lenders so you're not stuck with one set of terms.
Equipment financing
Most equipment loan companies want your business operating for at least six months, monthly revenue above a minimum threshold, and no recent bankruptcies. Startups can qualify if the equipment has strong resale demand and you bring a down payment. The equipment itself matters more than your credit profile, lenders prefer assets they can repossess and resell quickly.
Fort Collins businesses in construction, hospitality, healthcare, and agriculture typically clear the bar. A Wellington contractor buying a skid steer will have an easier time than a software startup buying office furniture, because the skid steer holds value on the secondary market.
We'll review your scenario before you fill out a single application. Bring your equipment quote, three months of bank statements, and a rough idea of your monthly revenue. We'll tell you if it's worth pursuing or if another program, like our commercial real estate or working capital options, makes more sense for your Fort Collins business.
Equipment financing
Construction and landscaping: Excavators, dump trucks, trailers, compactors. Food service: Ovens, walk-in coolers, espresso machines, point-of-sale systems. Manufacturing: Lathes, 3D printers, welding rigs, packaging lines. Transportation: Box trucks, refrigerated vans, fleet vehicles. Agriculture: Tractors, balers, irrigation pivots, grain bins. Medical and dental: Imaging equipment, dental chairs, sterilizers. Technology: Servers, telecom hardware, specialized testing gear.
A Bellvue ranch might finance a hay baler every few years. A Masonville auto shop might lease a two-post lift. Each transaction is straightforward: you identify the equipment, we find the money, and you're operational within days or weeks instead of months.
How it works
Call (970) 550-5802 or visit us at 301 Remington St in Fort Collins. Bring the equipment quote or invoice, recent bank statements, and your business tax return if you have one. We'll ask about the equipment's age, condition, and whether it's new or used. Then we submit your file to our network of equipment financing companies and circle back with term sheets, usually within 48 hours.
You pick the offer that balances monthly payment and speed. We coordinate signatures, the lender wires funds to the vendor, and you take delivery. The entire process from first call to funded often runs seven to ten business days for straightforward deals.
Because we're a broker, we're not wed to a single lender's underwriting rules. If one equipment loan company says no, we pivot to another. That flexibility is why Fort Collins businesses call us instead of walking into a single bank.
Check our service areas page to confirm we cover your location, from Fort Collins proper out to Wellington and Timnath. We also arrange SBA 7(a) loans, business lines of credit, invoice factoring, and more.
Equipment financing
A third-generation nursery near Horsetooth Reservoir wanted two new delivery trucks to serve landscape contractors along the Front Range. The owners had strong revenue but didn't want to tie up $90,000 in cash during spring planting season. We connected them with an equipment lender that approved both trucks in three days, funded in seven, and structured payments to match their seasonal cash flow. The nursery kept its credit line open for inventory and payroll, and the trucks were on the road before May.
No two deals are identical. Your industry, equipment type, and balance sheet will shape the terms. We tailor every submission to maximize approval odds and minimize time to funding.
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.
