Frequently Asked Questions

What type of assets does CHB finance?

Transportation, construction, agriculture, manufacturing, material handling and vocational vehicles like tow trucks, bucket trucks, volumetric concrete mixers, and crane trucks.

What information does CHB require when submitting an application?

For most applications, below $150k, we require at least four things: 1. a signed credit application 2. an invoice for the equipment being financed 3. spec sheet – or specification sheet that provides equipment details, (i.e., make, model, engine type, etc); 4. three months of the most recent complete (all pages) bank statements. 

Does CHB fund deals over $150,000?

Yes. CHB will fund deals from $15,000 to $300,000. Deals over $150,000 will require additional documentation such as two years of federal tax returns

Does CHB preview deals?

Yes – To preview deals, call and send the deal to the Business Development Director. 

Does CHB handle customers with A through C credits?

Yes, CHB works with all types of customers from A to C credits.

Does CHB ever solicit applications from dealers or returning customers?

No – CHB does not  circumvent our referral associate network. Our business model is based on the referral agent relationships that we establish and nurture. Referral agents are, in effect, our sales force and we will never jeopardize those relationships.

Does CHB work with start-up businesses and individuals?

Yes – We will work with start-up companies and individuals(sole proprietors). We do not have a “Time In Business” requirement, but the more experience you have in the business the better. 

How quickly can CHB provide a decision on a submitted deal?

Our goal is to provide our referral associates with an answer in one business day. This, of course, depends on what time of day the deal is submitted. It’s also important to remember different time zones; the west coast is one hour behind us and a broker in California would need to submit his deal by 11:00 a.m. MST (or 10:00 a.m. PST).

Does CHB Fund deals in Canada or Mexico?

No – CHB is national in scope. We only fund deals that are in the United States. 

What are CHB's minimum and maximum finance amounts?

We will fund deals from $15,000 to $300,000. Our Start-Up Financing program is up to $75,000. 

Are there certain states that CHB will not fund deals?

CHB is national in scope. We accept deals in all states except Louisiana.

Does CHB have a rate card?

No, we don’t have a rate sheet. CHB is 100% human based credit scoring. As such, all of our deals are scored using a human based credit model. Each deal is assigned a rate based on the result of the score derived from that model.

What kind of financial solutions does CHB offer?

CHB offers loans Equipment Finance Agreements (EFAs) solutions.

Does CHB broker deals to other lending entities?

No.  CHB is a direct funding source, underwriting and financing for all your commercial equipment needs using our own funding lines. We are backed by Platte Valley Companies, a community bank, headquartered in Scottsbluff, Nebraska. 

Is there a prepayment penalty/premium?

Yes. The 5% prepayment premium, which applies until the 12 consecutive payment is made. 

How will my client/borrower receive the bill for payment?

Your client(s) can get set up to receive an “advance payment notice”. This will let them know when they have a payment coming up, as well as  how much of the payment will go to interest and how much will go to principal.

Will my client receive a notification in the mail or is it going to be a direct withdrawal?

Your client will receive this notice in the mail, however their payment is set up to automatically withdraw on the 5th or the 20th of each month, starting 45 to 63 days after the loan has been funded.

When will my client get this information?

The advanced payment notice will arrive about 1 week before the payment is automatically withdrawn. Your client does not have to do anything. Please be aware that the notice will come from our parent bank Platte Valley Bank (PVB) in Nebraska.   Anytime you have a question, do not hesitate to contact CHB directly.  307-322-2545. 

Have another question?

Welcome Brokers

who is

c.h. brown co

We do business with our clients in a friendly and courteous manner. Since we make the credit decisions, prepare the documents, and bill the client ourselves, you will find our response time prompt and our rates competitive. We are also interested in our clients having profitable operations, so they can continue to be valuable customers. We operate nationwide and offer conventional financing. Though we are conservative lenders, we are innovative in our approach to each client’s requirements. We also make every effort to be helpful and considerate to each client, many whom are now second and third generation customers.


20 W Frontage Road Wheatland, WY 82201

Tel: 307-322-2545

Fax: 307-322-9192