Retail Business Loans in Aurora, CO
Retail business loans in Aurora fund the storefronts, inventory buys and expansions that keep independent retail alive against Amazon and big-box competition. We work with boutiques on Havana, specialty shops in Southlands, and multi-location retailers expanding across the Denver metro.
Retail is inventory-heavy, seasonal, and cash-flow-sensitive — three things lenders underwrite carefully. The right structure often blends a term loan (for the buildout or acquisition) with a revolving line of credit (for seasonal inventory).
Marquette matches retail files to SBA lenders comfortable with the vertical plus asset-based lenders who understand inventory as collateral.
- New store build-out and lease TI
- Retail acquisition
- Seasonal inventory line of credit
- POS and back-office equipment
- Multi-location expansion
- Refinancing merchant cash advances
- Personal credit 640+ typical
- Retail or product-category experience
- P&L and tax returns for existing stores
- Inventory turn and gross margin data
- Signed lease or LOI for new locations
From intake to funded in four steps.
“Retail lenders care about inventory turns and gross margin more than top-line revenue. A store doing $1M with 3x turns and 55% margin is a better credit than one doing $2M with 1x turns and 30% margin. Show these numbers clearly.”
Questions Aurora operators actually ask.
Can I get a revolving line for seasonal inventory?+
Yes — asset-based lines using inventory (and A/R) as collateral are common. Advance rates on inventory range 40–65%.
How do I finance a store buy?+
SBA 7(a) is the workhorse — 10% down, 10-year term, covers goodwill, inventory and working capital in one facility.
What about e-commerce retailers?+
See our Aurora e-commerce business funding page. Product-category retailers with a physical presence are underwritten as retail; pure DTC is underwritten as e-commerce.
Can I refinance credit-card debt?+
Yes — refinancing high-rate cards or MCA balances into a term loan is one of the most common uses of retail SBA funding.
How fast can I get a working-capital advance?+
A revenue-based facility for a running store can fund in 3–5 business days. SBA takes weeks.
Talk to Aurora about retail business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.