Need landscaping equipment financing in Fort Collins? Driftwood Advances brokers commercial loans for mowers, skid steers, trailers, and trucks.
Equipment financing
Fort Collins landscaping businesses face a compressed growing season and intense competition for commercial contracts along the Front Range. Your equipment breaks in April, you lose bids. A crew truck dies during peak season, you're scrambling for rentals at double the cost. Traditional bank loans take six to eight weeks. By then, the HOA contract went to someone else and you've burned through your line trying to keep crews mobile.
We broker equipment financing that moves at your pace. Most landscaping equipment loans close in three to ten business days. You need a replacement zero-turn before the Harmony Road corridor jobs start? We submit your deal to lenders who understand seasonal cash flow and don't require two years of financials for a $40,000 mower package.
Landscaping business loans in Fort Collins must account for how you actually make money. Residential maintenance pays monthly. Commercial snow removal is winter-heavy. Hardscape installation invoices sit for 45 days while the builder pays their draw.
We structure deals around your revenue pattern. Working capital loans can bridge the gap between March equipment purchases and June cash flow. Invoice factoring turns that $28,000 Woodward streetscape invoice into same-week cash. SBA 7(a) loans work when you're buying a used dump truck and need seven years to amortize. Lines of credit cover payroll when a Timnath HOA delays payment again.
The broker model gives you options. Banks see "landscaping" and assume high default risk. We know which lenders finance nursery inventory separately from equipment, which ones will collateralize a trailer fleet, and who actually understands that a skid steer holds resale value.
Small business
A small business loan for landscaping finances more than mowers. Fort Collins operations need different gear than metro contractors. You're bidding on CSU campus maintenance, which requires commercial-grade blowers and oversized mowing decks. Timnath's new subdivisions need sod rollers and irrigation trenchers. Wellington ranch properties want brush hogs and utility tractors.
Typical landscaping equipment loan packages we broker:
- Commercial mowers and stand-on units ($12,000-$65,000) - Skid steers with attachments for hardscape crews - Dump trucks and crew cab pickups (new or used) - Enclosed trailers (equipment theft is real along the I-25 corridor) - Compact excavators for drainage and retaining walls - Spray rigs and fertilizer spreaders
Lenders will finance new or used equipment. Most require the equipment as collateral. If you're bundling a truck, a mower, and two trailers into one loan, we find lenders who write those combination deals without forcing you into three separate notes.
How it works
You call (970) 550-5802. We ask what equipment you need, what your revenue ran last year, and how fast you need funding. We don't pull credit during the first conversation.
We submit your scenario to our lender network. Within 24 hours, you see term sheets. You pick the one that fits. Lender orders equipment appraisal or invoice (if you've already sourced the mower). Paperwork circulates digitally. Funding hits your account. You buy the equipment or the dealer gets paid directly.
Total elapsed time: three to ten business days for most landscaping equipment loans under $150,000. Larger deals or commercial real estate purchases (buying the yard where you store equipment) take longer but still move faster than a bank.
We're a broker, not a lender. That means we don't get paid unless you close. We don't charge application fees. Our commission comes from the lender after funding, so your incentive and ours align: close fast, close clean.
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.
