Business Line Of Credit in Aurora, CO
A business line of credit is a revolving pool of capital you can draw against, pay down, and draw against again — the commercial-lending equivalent of a credit card, but with real rates and real limits. Marquette Capital Group opens lines of credit for Aurora businesses from $25K to $2M.
This is the right tool for uneven cash flow: covering payroll before a big receivable clears, funding inventory before a season, or bridging gaps between contract milestones. You pay interest only on what's drawn — not on the full commitment.
We offer both unsecured lines (based on business cash flow alone) and asset-based lines (secured by receivables or inventory, with higher limits and lower rates). We'll tell you which structure your business qualifies for on the first call.
- Seasonal inventory and payroll cycles
- Bridging accounts receivable timing gaps
- Emergency cash access for the unexpected
- Small opportunistic purchases without a new loan
- Building a formal business credit history
- 12+ months in business (24+ for higher limits)
- $120K+ annual revenue as a minimum
- Business bank statements from the last 3–6 months
- Personal FICO 620+ for most programs
- No open bankruptcies or serious tax liens
From intake to funded in four steps.
“Lines of credit are excellent standby capital but poor long-term financing. If you're funding a fixed asset with a 10-year life, use a term loan. If you're funding a working-capital gap that recurs, a line is exactly right. Rates typically run prime + 2% to prime + 8% depending on structure and credit.”
Questions Aurora operators actually ask.
Secured vs unsecured business line of credit — which is better?+
Unsecured is faster to open and doesn't tie up your assets, but limits are lower and rates a bit higher. Secured (asset-based) lines are cheaper, offer bigger limits, and are typical when you carry meaningful receivables or inventory.
How is a line of credit different from a business credit card?+
Higher limits, lower rates, and access to cash (not just card swipes). A credit card is for T&E and small purchases; a line of credit is a real working-capital tool.
Do you offer unsecured lines for Aurora startups?+
Under 12 months in business, unsecured lines are hard to place. We may recommend a working-capital loan or revenue-based advance for the first year and open a proper line when your revenue history supports it.
Will you check my personal credit?+
Yes, but for the initial application we use a soft pull. A hard pull happens only if you accept a term sheet.
How often can I draw?+
As often as you want, up to your available limit. Repayments free up the line for future draws.
Talk to Aurora about business line of credit.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.