Funds ready for repairs, restocks and seasonal swings. Soft pull to start, about three months of statements, no tax returns, 5-minute application.
Open My LineColorado Line of Credit
Most Colorado surprises are small and frequent. A line of credit lets you draw what each one needs and keep the rest available.
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.
5-minute application, about three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts it and your deposits do much of the talking.
Your offer shows the full repayment amount before you accept, and no surprise costs show up after you sign.
The repayment schedule is in your offer up front, so each draw fits your plan.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
An early snowstorm shuts down a job site for a week. A brewery's canning line needs a part. A busy summer weekend in a mountain town clears out the shelves faster than expected. Colorado businesses deal with surprises, and many of them are small and frequent rather than one big expense.
A business line of credit gives you a set amount you can draw from as those needs appear. You use what the moment calls for and leave the rest available.
A line tends to make sense when:
A lump sum, like working capital in Colorado, can be better for one defined project. Our line of credit vs. business credit card page compares another common option.
A taproom in Denver sees strong summer weekends and slower winter weeknights. Through the year it faces a string of smaller costs: a glycol chiller repair in June, a large grain order before a festival, extra staff for a busy holiday stretch. Rather than taking one big sum, the owners draw against a line as each need comes up and repay according to the schedule in their offer.
City owners can read more on our Denver and Aurora pages.
We look at about three months of business bank statements. No tax returns are needed, we begin with a soft credit pull, and FICO 500+ is considered. Sole proprietors can apply. We work with established businesses with steady deposits, with funding from $25,000 to $5,000,000 depending mainly on your deposits and existing obligations.
Your offer shows the full repayment amount and schedule before you accept, with no surprise costs after you sign. Apply in about 5 minutes.
A line is most useful when it stays a tool, not a habit. A few practices help: draw for specific needs with a clear repayment source, avoid using it to cover the same shortfall every month, and check your offer's repayment schedule against your quietest season. If every month needs a draw, the issue may be pricing or costs rather than timing, and it is worth sorting that out first.
You get a set amount you can draw from as needs come up, rather than one lump sum at the start.
Seasonal businesses can apply. We look at how deposits move across the year, and steady deposits help.
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.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Ways to make your line of credit application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding