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Calhan: (719) 347-2727    |    Ellicott: (719) 683-3999    |    Falcon: (719) 495-3650    |    Kiowa: (303) 621-0100

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Whether you’re running a family ranch, expanding a construction business, upgrading machinery, or simply replacing everyday tools needed to operate, the right equipment matters. At Farmers State Bank, we help Colorado business owners invest in the equipment that keeps their operations moving forward.

For more than a century, we’ve supported commercial, agricultural, and rural businesses across Eastern and Southern Colorado as well as the Front Range, delivering competitive rates, flexible terms, and fast local lending decisions built around your business needs.

Financing Equipment That Builds Colorado’s Businesses

Your equipment isn’t just an asset for your business. It’s how you serve your customers, get work done, and stay competitive. Our equipment loans in Colorado help you purchase or upgrade the tools you rely on, backed by personal guidance from lenders who understand the industries that fuel our region.

With Farmers State Bank, you’ll benefit from:

  • Competitive rates and flexible repayment terms
  • Financing for new or used equipment
  • Fast, local underwriting and loan decisions
  • Support from lenders who live and work in your community

What Can an Equipment Loan Be Used For?

Our equipment loans support a wide range of Colorado industries, including, but not limited to, agricultural operations, construction trades, service providers, and growing local enterprises.

Popular financing uses include:

Agriculture & Ranching

  • Tractors, loaders, & skid steers
  • Livestock trailers & feeding equipment
  • Medium and heavy-duty trucks
  • Irrigation systems & fencing machinery

Construction & Trades

  • Excavators, skid steers & backhoes
  • Service trucks & trailers
  • Specialized equipment
  • Power tools & job-site machinery

Commercial & Industrial

  • Manufacturing machinery
  • Inventory handling equipment (forklifts, pallet systems)
  • Service trucks & trailers

If it keeps your business running, an equipment loan with Farmers State Bank can help finance it.

Working With a Lender Who Knows Your Industry

Equipment financing isn’t one-size-fits-all. We tailor loans based on business size, growth plans, and asset type, whether you’re:

  • Growing a family farm
  • Launching or expanding a construction business
  • Investing in new shop tools or manufacturing machines
  • Upgrading service vehicles or technology

Meet Our Business Lending Team

Employee NameNMLS ID Work LocationContact
Lindsey Lawson - Preisser 873899 1500 8th St Calhan CO 80808

Email: llpreisser@yourfsb.com

Phone: (719) 347-2727

Scott Lutz 543634 1500 8th St Calhan CO 80808

Email: scottl@yourfsb.com

Phone: (719) 347-2727

Leo Prosser 2534634 1500 8th St Calhan CO 80808

Email: lprosser@yourfsb.com

Phone: (719) 347-2727

Sara Strouse 2062662 434 Comanche St. Kiowa, CO 80117

Email: sarastrouse@yourfsb.com

Phone: (303) 621-0100

Bret Swennes 554092 7025 Old Meridian Rd Falcon CO 80831

Email: bswennes@yourfsb.com

Phone: (719) 495-3650

April Drew 2569373 445 N. Ellicott Hwy Calhan, CO 80808

Email: adrew@yourfsb.com

Phone: (719) 683-3999

What You’ll Need to Get Started

To apply for an equipment loan, please provide:

  • The last 3 years of Personal Tax Returns
  • The last 3 years of Business Tax Returns (if filed separately)
  • A current financial statement

Download a Printable Application (PDF)

Prefer in-person service? Visit any branch in Calhan, Ellicott, Falcon, or Kiowa.

Equipment Loan FAQs

Do you finance used equipment?

Yes. We provide financing for new and used equipment.

Can equipment serve as collateral?

Yes, we can use equipment as collateral. Your loan officer will guide you through options.

Do you offer ag-specific equipment loans?

Yes. Agricultural equipment can also be financed through our agriculture loan program. We’ll help determine the best fit.

Can lines of credit be used for equipment instead?

Yes. Some businesses use a CELOC or operating line for short-term needs — we’ll help you evaluate which option makes the most sense.

Invest in the Equipment Your Business Depends On

From rural ranch operations in Eastern & Southern Colorado to commercial companies along the Front Range, Farmers State Bank has been helping businesses grow since 1916.

When you’re ready to upgrade the tools your business relies on, partner with a bank that understands your work, your community, and your future.

Call or visit your nearest branch to speak with a lending expert today.

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