Merchant Fund Express
(305) 384-8391Apply

Working Capital Loans in Aurora, CO

Cover payroll, materials and ramp-up costs as your Aurora business grows. Soft pull to start, about three months of statements, no tax returns.

Check My Options

Working Capital

Fund the ramp-up before the invoices pay

Aurora trades, cleaning companies and suppliers use working capital to take on new contracts without stretching the operating account thin.

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.

Working capital for growing Aurora businesses

Quick, low paperwork

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

Credit flexibility

FICO 500+ considered. Deposits weigh heavily in your offer.

No surprise costs

The full repayment amount is in your offer before you accept. Nothing new appears after you sign.

Schedule set up front

Your repayment schedule is laid out in the offer so you can plan payroll around it.

Payroll before sales come in?

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.

Growth has a cash cost

Aurora has been adding homes, offices and medical facilities across its east side for years, and the businesses that serve them feel it. Electricians, plumbers, cleaning companies, landscapers and suppliers that win more work also have to pay for more crew, more materials and more fuel before the invoices pay. Working capital keeps that growth from squeezing your bank balance.

How we size an offer

We look at about three months of business bank statements and your existing obligations. That's most of it. The application takes about 5 minutes, we start with a soft credit pull, and no tax returns are required. FICO 500+ is considered and sole proprietors can apply. Offers range from $25,000 to $5,000,000.

For illustration

A commercial cleaning company near the medical campus picks up two new building contracts. Supplies, uniforms and five new hires are needed before the first month is billed. A working capital offer covers that ramp-up. The owner sees the full repayment amount and the repayment schedule in the offer before accepting.

What Aurora owners fund with it

  1. Payroll during a ramp-up or slow-paying stretch
  2. Inventory and materials bought in volume
  3. Marketing ahead of a busy season
  4. Repairs to trucks, vans and tools

Buying a specific machine or vehicle? Equipment financing in Colorado may be a closer fit.

How funders read your statements

When a funder looks at a working capital request, the deposit history does most of the talking. Regular deposits, positive daily balances and a manageable list of existing payments all point the same way. Seasonal swings are expected on the Front Range: landscapers slow in winter, roofers spike after hail, and snow removal crews flip the calendar entirely. We look at the full pattern across the statements you send rather than reacting to one strong or weak month, and we size the offer to what the business can comfortably carry.

Compare your Aurora options

A business line of credit in Aurora works well if you want to draw only as needed. Retail and restaurants with heavy card volume often look at an Aurora merchant cash advance. To see real numbers, apply here.

Frequently Asked Questions

What can working capital be used for?

Day-to-day operating costs like payroll, inventory, materials, marketing and repairs.

Do I need to send tax returns?

No. We work from about three months of business bank statements and a short application.

How does my existing financing affect the amount?

Current obligations are one of the main things we weigh alongside your deposits when sizing an offer.

Will I know my payments before I sign?

Yes. The repayment schedule and full repayment amount are laid out in your offer before you accept.

How soon can funds arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Can a seasonal landscaper in Aurora apply?

Yes. Seasonal businesses with steady deposits across their cycle can apply, and we review the full pattern. Off-season months are expected, and the offer reflects the deposits you show across the year.

New-contract hires $60,000.00
Bulk materials $45,000.00
Season marketing $25,000.00
Van repairs $32,000.00

Example uses for illustration only.

How to improve your chances

A few habits make an Aurora application easier to approve and size.

  • Keep all business income in one bank account
  • Track open invoices and when they're due
  • Stay clear of overdrafts before you apply
  • Have details of current financing ready

Our working capital vs. a bank loan

Merchant Fund Express
Traditional bank loans
Documents
Bank statements, no tax returns
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks of review
First check
Soft pull
Hard pull common
Sole proprietors
Can apply
Often harder to qualify

Fund your Aurora growth

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

Apply for Funding
Apply NowCall