Merchant Fund Express
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Equipment Financing in Colorado

Plow trucks, skid steers, kitchens and tractors. About three months of statements, no tax returns, and a 5-minute application to get started.

Finance My Equipment

Colorado Equipment Financing

Short seasons do not wait on long approvals

When a key machine goes down in peak season, every day costs work. We review your deposits and the quote so you can replace it and keep going.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Equipment financing built for Colorado

Fast, with little paperwork

5-minute application, three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. We start with a soft pull and look closely at your deposits.

Clear costs

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Predictable payments

Your repayment schedule is laid out in the offer up front, so the machine fits your budget.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Colorado is hard on equipment

Freeze-thaw cycles, altitude, gravel roads and short building seasons wear machines down. A snow removal operator cannot lose a plow truck in January. An excavation crew cannot sit idle in May waiting on a skid steer. A ranch supply store or feed business on the plains needs its loaders running when customers show up.

Equipment financing gets the machine in place now and spreads the cost over a schedule you see before you sign.

Equipment Colorado businesses commonly finance

Bring a vendor quote when you apply. It helps us match the offer to the real purchase.

Finance, lease or pay cash?

Cash keeps you free of payments but can empty the reserve you need to get through winter or a slow spring. Leasing can suit gear that turns over quickly. Financing lets you put the equipment to work now while keeping your cash cushion, with payments you can see before you sign.

A good rule: the more directly a machine produces revenue, and the longer it will last, the more sense financing it tends to make. A plow truck that runs every storm for years is a stronger case than gear that sits idle most of the season.

For illustration: replacing a skid steer mid-season

A landscaping company in Colorado Springs loses its skid steer to a blown hydraulic pump in early June, its busiest month. A rebuild would take weeks. The owner finds a replacement at a local dealer, applies with three months of statements and the dealer quote, and gets the machine back on a job site quickly. Payments follow the schedule spelled out in the offer.

When repair is the better call, see equipment repair funding for landscapers.

Requirements

A 5-minute application and about three months of business bank statements. No tax returns. We start with a soft credit pull, FICO 500+ is considered, and sole proprietors can apply. We work with established businesses with steady deposits, and funding ranges from $25,000 to $5,000,000.

Know the full cost

Your offer shows the full repayment amount and repayment schedule before you accept, and no surprise costs appear after you sign. Ask yourself how many more jobs or hours the equipment will produce, and whether that covers the cost. When it does, start your application.

Frequently Asked Questions

Can I finance equipment from a private seller in Colorado?

Tell us about the purchase and share whatever quote or bill of sale you have. We review it with your business deposits.

What credit score do I need for equipment financing?

FICO 500+ is considered. Steady deposits weigh heavily.

Do I need tax returns?

No. About three months of business bank statements and a vendor quote are enough to start.

How fast can I get the equipment?

Funding can arrive in as little as 24 hours for qualified businesses.

Can a sole proprietor finance equipment?

Yes. Sole proprietors can apply.

Plow truck $68,000.00
Skid steer $52,000.00
Brewhouse upgrade $140,000.00
Hay baler $37,000.00

Example uses for illustration only.

How to improve your chances

Prep that speeds up equipment financing.

  • Get a written quote from the dealer or seller
  • Keep business deposits in one account
  • Know how the equipment adds jobs or saves hours
  • Have three months of statements as PDFs

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often weeks
Documents
Statements plus the quote
Tax returns, financials
Credit
FICO 500+ considered
Strong credit expected
First credit check
Soft pull
Hard pull
Cost disclosure
Full repayment shown before accepting
Fees may surface late

Get back to work with the right equipment

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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