Merchant Fund Express
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Merchant Cash Advance in Colorado Springs, CO

Cash for Springs restaurants, shops and tourism businesses, collected from future sales. 5-minute application and a soft credit pull to start.

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Merchant Cash Advance ยท Colorado Springs

Get ready for summer before it arrives

Visitor season lifts sales across the Pikes Peak region. An advance helps you stock, staff and repair ahead of time and repay from the sales that follow.

As fast as
24 hours

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.

Why Springs merchants choose us

Quick and low on paperwork

5-minute application, three months of statements, and funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. Deposit history carries real weight.

Clear costs

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Collections laid out

How collections work is spelled out in your offer from the start.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Built for tourist seasons and card terminals

Colorado Springs businesses near Garden of the Gods, Old Colorado City, downtown Tejon Street and Manitou Springs see big summer traffic and a quieter winter. Most of that business runs through card readers. A merchant cash advance gives you a lump sum now and collects from future sales, so collections follow the way your money comes in rather than a payment that ignores the season.

What the process looks like

The application takes about 5 minutes and starts with a soft credit pull. We review around three months of business bank statements; no tax returns are required. We look at deposit consistency and what you already owe, then send an offer. The offer shows the advance amount, how collections work and the full repayment amount before you accept. Qualified businesses can be funded in as little as 24 hours.

Common uses around the Springs

For illustration: a brewery adding fermenters before patio season, a gift shop stocking up for summer visitors, a pizza place near Fort Carson replacing an oven, or a salon in the Briargate area remodeling stations. In each case the advance covers a cost that should pay for itself through sales, and the amount offered depends on deposits and existing obligations.

When an advance is not the best choice

If your revenue comes mostly from invoices to government contractors or commercial clients, working capital loans in Colorado Springs may fit better. If your needs recur at different times of year, a business line of credit in Colorado Springs can be more flexible. For a big piece of equipment, compare equipment financing in Colorado.

Reading your seasonal pattern

For a tourism business, three months of statements can look very different depending on which three months they are. If you are applying in early spring after a quiet winter, tell us about your typical summer. Context helps us read deposits fairly, and it helps you choose an amount the slower months can still carry comfortably.

Eligibility

We fund from $25,000 to $5,000,000 for established businesses with steady deposits. FICO 500 and up is considered and sole proprietors can apply. There is no hard revenue minimum; we look at the pattern of your deposits and your existing obligations. Before you accept, compare the full repayment amount against what the money will earn you. Apply in 5 minutes.

Frequently Asked Questions

How does repayment work on an advance?

Collections come from future sales as described in your offer. The full repayment amount is shown before you accept.

Is my winter slowdown a problem?

Seasonality is normal in a tourism town. We review your overall deposit pattern, and it helps to explain any seasonal dips.

Do you check credit?

We start with a soft credit pull and consider FICO 500+.

What documents do I need?

About three months of business bank statements. No tax returns required.

How fast can I be funded?

Qualified businesses can be funded in as little as 24 hours after signing.

Can a sole proprietor apply?

Yes, as long as the business has steady deposits in a business bank account.

Patio expansion $48,000.00
Summer inventory $36,000.00
Oven replacement $27,000.00
Brewery tanks $95,000.00

Example uses for illustration only.

How to improve your chances

Set yourself up for a better offer next season.

  • Route all card sales into one business account
  • Build a cash cushion during peak months
  • Avoid overlapping advances
  • Keep personal expenses out of the business account

Our advance vs. a bank loan

Merchant Fund Express
Traditional bank loans
Apply
5 minutes online
Lengthy application
Documents
3 months of bank statements
Tax returns and statements
Credit
FICO 500+ considered
High scores typical
Speed
As little as 24 hours if qualified
Weeks
Initial credit check
Soft pull
Hard pull

Fund your Springs business for the season

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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