Short Term Business Loans in Aurora, CO
Short-term business loans are fixed-dollar, fixed-term loans that pay back over 3 to 18 months — designed for Aurora businesses that need capital now for a use of funds that will produce a clear return quickly. Buy inventory in April, sell it by August, pay off the loan.
Marquette Capital Group underwrites short-term loans from $10K to $500K, priced on the borrower's cash flow rather than deep credit files. Because the terms are short, underwriting is fast — often 24 hours from application to term sheet — and personal-credit thresholds are more forgiving than SBA or bank paper.
The cost trade-off is real: annualized rates run higher than long-term structures. We use short-term loans when the ROI timeline is short and the cash flow to pay them off is clear, not as long-term financing dressed up in short-term clothes.
- Inventory buys with a defined sell-through window
- Marketing campaigns with measurable ROI
- Bridging a signed contract before advance payment
- Emergency equipment repairs to keep revenue flowing
- Tax obligations with a hard deadline
- 6+ months of business operating history
- $8K+/month in business deposits
- 3 months of business bank statements
- FICO 550+ typical
- No unresolved defaults on business credit
From intake to funded in four steps.
“Short-term loans are priced above long-term paper — sometimes materially. Do the math on total dollar cost, not just monthly payment. A 12-month loan at a 1.30 factor rate looks fine per week but represents a real APR you should understand. We disclose both.”
Questions Aurora operators actually ask.
How is APR calculated on a short-term business loan?+
By annualizing the total dollar cost of capital over the term. A $50K loan repaid with $65K total over 12 months has $15K in interest — that's a 30% simple APR, higher on a compounding basis. We disclose both simple and effective APR.
Can I refinance a short-term loan into an SBA loan later?+
Often yes. We regularly refinance clients' short-term paper into 7(a) loans once the business is stabilized. Ask about our refinance-out pathway on the first call.
Are daily or weekly payments common?+
Yes. Many short-term programs draft daily or weekly from your business bank account. Some offer bi-weekly or monthly for stronger files.
Is there a prepayment penalty?+
Depends on the lender. We'll surface prepayment terms up front and can often negotiate a discount for early payoff.
What's the maximum short-term loan I can get?+
$500K is the practical ceiling. Above that we typically route to a term loan or SBA 7(a) even if the borrower originally asked for short-term paper.
Talk to Aurora about short term business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.