Painting contractors Funding in Denver, CO (2026)

Why painting contractors in Denver qualify

Painting contractors in Denver are classified under Painting and Wall Covering Contractors, an eligible category. Industry is therefore not the question; the four things every file is read on are. Commercial work is eligible; residential remodelling is restricted.

The cash-cycle problem

Deposit and balance on residential; 30-60 day terms on commercial.

In Denver that usually means capital goes to materials for a signed job, sprayers, lifts, vans, crew for the season.

What applies in Denver

Denver runs on outdoor products, energy and sustained population growth.

Colorado funds normally on every tier.

Colorado winters are hard enough to remove months from the working year, so a painting contractor account in Denver is read on the twelve-month average rather than the trough.

The published thresholds

Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.

Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.

Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.

There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.

Line of credit $10,000 to $350,000, from 1% per month on the drawn balance, 2.49% per draw

Term loan $10,000 to $250,000, 0% origination, weekly payments

MCA refinance $10,000 to $100,000

Maximum two existing positions

Same-day decision, next business day funding on a complete file

Average daily balance of $5,000, or 10% of monthly revenue, whichever is greater. Up to 3 negative days a month, 9 per six months and up to 6 NSFs a month, 24 per six months.