Merchant Cash Advance in Aurora, CO
A merchant cash advance (MCA) is a purchase of your Aurora business's future revenue at a discount, not a loan. You receive a lump sum today and repay by remitting a fixed percentage of daily card sales — or a fixed daily/weekly ACH — until the purchased amount is paid off. Because it's a sale of receivables, MCAs can fund businesses that don't qualify for a traditional loan.
Marquette Capital Group underwrites MCAs from $5K to $500K, funded in as little as 24 hours. We use them when a business needs cash now and doesn't have the credit, time-in-business, or cash-flow history to qualify for cheaper capital. We do not push MCAs when another product fits — the cost of capital is real.
Every MCA we quote comes with the total dollar cost, the effective annualized rate, and a plain-English explanation of the remittance mechanics. No hidden factor tricks.
- Retail, restaurant and service businesses with heavy card volume
- Owners with FICO below traditional bank thresholds
- Newer businesses that don't yet have 2 years of tax returns
- Emergencies where funding speed is more important than rate
- Bridging one season while a longer-term facility closes
- 3+ months of business operating history
- $10K+ in monthly card or ACH deposits
- 3–4 months of business bank statements
- No open bankruptcies
- Colorado-registered business
From intake to funded in four steps.
“MCAs are the most expensive commercial capital we place — and the fastest. If you have credit and time-in-business to qualify for a working-capital loan or line of credit, take those instead. If you don't, an MCA can be the difference between staying open and closing. We are transparent about which situation you're in.”
Questions Aurora operators actually ask.
How does MCA payback actually work?+
Two ways. Split withholding: the processor sends a fixed percentage (say 10%) of each day's card batch to the funder until paid off. Fixed ACH: a set dollar amount debits daily or weekly regardless of sales. We'll walk you through which structure fits your business.
What's a factor rate?+
The multiple applied to the advance amount to determine total payback. A $50K advance at 1.30 factor means $65K total payback. Divide the difference by the term to estimate simple APR.
Can I get an MCA with bad credit?+
Yes. MCAs are underwritten primarily on revenue, not credit score. We regularly fund businesses with FICO in the 500s.
Are MCAs regulated in Colorado?+
MCAs are commercial financing, not consumer loans, and are subject to Colorado's commercial financing disclosure requirements. We provide the required disclosures on every advance.
Can I get another MCA on top of an existing one?+
Sometimes — called a "stack." It's usually a bad idea. Stacking accelerates cash-flow strain. We'll almost always recommend a consolidation instead.
Talk to Aurora about merchant cash advance.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.