Updated November 11, 2026
Equipment financing activity in Westcliffe, CO
Westcliffe has 145 active UCC filings for equipment across 80 businesses, about 1.8 per business, so repeat borrowers are common. 39 new filings were recorded in the last 12 months, up 15% on the year before. 34 of these loans reach a typical 36, 48 or 60 month term end in the next six months, an unusually large 23% of the book. The market is spread out: Kirkpatrick Bank leads with 14%, followed by Kubota Credit at 11%. Construction is the largest equipment type, at 34%. Banks and credit unions hold 55%, more than captives and independents.
Active equipment filings
Likely ending in the next 6 months
36, 48 or 60 month term
Businesses with active filings
New filings, last 12 months
+15% on the year before
New equipment filings by month
Westcliffe, CO, last 24 months. The current month is still coming in.
| 2024-12 | 1 |
|---|---|
| 2025-01 | 1 |
| 2025-02 | 2 |
| 2025-03 | 0 |
| 2025-04 | 6 |
| 2025-05 | 5 |
| 2025-06 | 5 |
| 2025-07 | 2 |
| 2025-08 | 2 |
| 2025-09 | 4 |
| 2025-10 | 3 |
| 2025-11 | 1 |
| 2025-12 | 6 |
| 2026-01 | 2 |
| 2026-02 | 2 |
| 2026-03 | 4 |
| 2026-04 | 7 |
| 2026-05 | 1 |
| 2026-06 | 6 |
| 2026-07 | 5 |
| 2026-08 | 3 |
| 2026-09 | 1 |
| 2026-10 | 1 |
| 2026-11 | 0 |
Top lenders
Share of active equipment filings with a named lender. Filing agents and government left out.
- Kirkpatrick Bank17 · 13.9%Bank
- Kubota Credit13 · 10.7%Captive finance
- WAGNER EQUIPMENT COMPANY12 · 9.8%Captive finance
- Bank
- Western Equipment Finance8 · 6.6%Independent
- Bank
- Caterpillar Financial6 · 4.9%Captive finance
- Bank
Top equipment types
Active filings by what the collateral describes
- Construction49 · 33.8%
- Equipment, type not stated37 · 25.5%
- Agriculture26 · 17.9%
- Blanket liens23 · 15.9%
- Trucks & trailers6 · 4.1%
- Manufacturing2 · 1.4%
- Vehicles2 · 1.4%
Highest-scoring businesses right now
Names are partly hidden. The app shows them, with the phone number where public records have one.
| Score | Company | Why | Lender | Filed |
|---|---|---|---|---|
90 | Col Westcliffe | Construction 41 mo old · peak window+35Active, no continuation+10 | WAGNER EQUIPMENT COMPANY Captive finance | May 2023 |
89 | Tru Westcliffe | Construction 46 mo old · peak window+35Near the 48-month mark+4 | WAGNER EQUIPMENT COMPANY Captive finance | Jan 2023 |
87 | Tru Westcliffe | Construction 45 mo old · peak window+35Near the 48-month mark+2 | WAGNER EQUIPMENT COMPANY Captive finance | Jan 2023 |
85 | RUS Westcliffe | Manufacturing 36 mo old · peak window+35Near the 36-month mark+10 | Farm Credit of Southern Colorado, PCA, a wholly owned subsidiary of Farm Credit of Southern Colorado, ACA Bank | Oct 2023 |
85 | Cre Westcliffe | Construction 40 mo old · peak window+35Active, no continuation+10 | JCB FINANCE Captive finance | Jun 2023 |
82 | Jon Westcliffe | Trucks & trailers 45 mo old · peak window+35Near the 48-month mark+2 | Oakmont Capital Holdings LLC Independent | Feb 2023 |
78 | P B Westcliffe | Construction 32 mo old · early+23Active, no continuation+10 | WAGNER EQUIPMENT COMPANY Captive finance | Mar 2024 |
78 | VAL Westcliffe | Trucks & trailers 33 mo old · early+26Near the 36-month mark+2 | FIRST AMERICAN BANK Bank | Jan 2024 |
Equipment types in Westcliffe
Top lenders in Westcliffe
- Kirkpatrick Bank17
- Kubota Credit13
- WAGNER EQUIPMENT COMPANY12
- Wells Fargo Vendor Financial Services, LLC10
- Western Equipment Finance8
- Farm Credit of Southern Colorado, PCA, a wholly owned subsidiary of Farm Credit of Southern Colorado, ACA7
- Caterpillar Financial6
- COLORADO BANK & TRUST COMPANY OF LA JUNTA6
- John Deere Financial4
- DLL4
Questions
How many equipment loans are active in Westcliffe, CO?
How many equipment loans in Westcliffe, CO end in the next six months?
Which lenders finance the most equipment in Westcliffe, CO?
What equipment is financed most in Westcliffe, CO?
Is Westcliffe, CO equipment financing growing?
Source: UCC financing statements published as open data by the Colorado Department of State, loaded every morning. Last updated November 11, 2026. Counts cover businesses' equipment filings only: consumer solar, tool accounts, liens on injury claims and filings against people or sole proprietors are left out. “Active” means not terminated or lapsed. “Likely ending” means a 36, 48 or 60 month term from the filing date ends within six months; the filing itself doesn't state the term. Not a consumer report. How UCC filings work.