Merchant Fund Express
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Merchant Cash Advance in Denver, CO

A lump sum based on your sales, for established Denver businesses with steady deposits. About three months of statements, no tax returns.

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Merchant Cash Advance ยท Denver

Put Denver's busy seasons to work for your business

Breweries, restaurants, salons and outfitters use an advance for equipment, remodels and inventory, with the full repayment amount shown before they accept.

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 Denver merchants choose us

Fast, short document list

5-minute application, about three months of statements, no tax returns. As little as 24 hours for qualified businesses.

FICO 500+ considered

We weigh credit together with the strength of your deposits.

See the full repayment first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment explained up front

How repayment works is laid out in your offer before you agree.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Funding tied to the sales you already make

Denver is a city of independent restaurants, breweries, salons, outfitters and shops. Their sales are steady but shaped by the calendar: summer patios and festivals, sports seasons, and visitors passing through on the way to the mountains. When an owner needs a lump sum for something specific, waiting weeks for a bank decision rarely fits.

A merchant cash advance provides funding based on your future sales. You get a lump sum now and repay from sales under the terms of your offer. It is meant for established businesses with consistent deposits.

Typical Denver uses

  1. New brewing, kitchen or salon equipment
  2. A remodel or expansion of the dining room or patio
  3. Inventory before ski season or the holidays
  4. A marketing push to fill slower weekdays

For flexible draws, see a Denver business line of credit. Statewide information is on our Colorado merchant cash advance page.

How the review works

We start with about three months of business bank statements. We look at the size and regularity of deposits and at obligations already coming out. Those mainly determine how much we can offer.

FICO scores from 500 are considered, and the first step is a soft credit pull. No tax returns are required. Sole proprietors can apply.

Advance or another product?

An advance is one of several options. It tends to fit businesses with regular card and bank deposits that need one lump sum for a specific purpose. Other options include:

We can walk through which fits your situation once we see your statements. Whichever you choose, the offer shows the full repayment amount and how repayment works before you accept.

Many Denver owners compare two options side by side before deciding. That is a sensible approach: look at the full repayment amount, the schedule, and how each one lines up with your busiest and slowest months, then choose the one your deposits can support most comfortably.

Next steps

Fill out our 5-minute application and send statements. Your offer shows the full repayment amount and explains how repayment works before you accept. Qualified businesses can be funded in as little as 24 hours. Advances run from $25,000 to $5,000,000.

Frequently Asked Questions

What is a merchant cash advance?

It is funding based on your future sales. You receive a lump sum and repay it from those sales under the terms in your offer.

Which Denver businesses use advances?

Mostly businesses with steady daily sales, such as restaurants, breweries, salons, retailers and outfitters.

How much can I get?

Between $25,000 and $5,000,000, based mainly on deposits and current obligations.

Do you check credit?

We start with a soft credit pull, and FICO 500+ is considered.

How quickly can I be funded?

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

Do seasonal sales affect an advance?

Funders look at the pattern of your deposits, including seasonal swings, and weigh that with the rest of your file.

Brewing equipment $70,000.00
Patio expansion $50,000.00
Ski-season stock $38,000.00
Weekday promotion $26,000.00

Example uses for illustration only.

How to improve your chances

Before applying for an advance, these steps help.

  • Run all sales through your business account
  • Keep returned items and overdrafts to a minimum
  • List current payments you make each month
  • Use your three most recent statements

Our advance vs. a bank loan

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks typical
First credit check
Soft pull
Hard pull common

See what your Denver sales can support

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

Apply for Funding
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