Startup Business Loans in Aurora, CO
Startup business loans in Aurora are harder to place than loans for established companies — but they exist, and Marquette Capital Group closes them regularly. The right product depends on your revenue stage: pre-revenue, first-year, or 6–24 months with real deposits.
For pre-revenue startups, options are limited to SBA-backed programs (with strong personal financials and equity injection), franchise financing on SBA-approved concepts, and credit-based products underwritten to the founder rather than the business.
For post-revenue startups with even 3 months of deposits, working-capital advances and short-term loans open up. By 12 months of steady revenue, you're eligible for most of the same programs as established businesses.
- Franchise startups on SBA-approved concepts
- Licensed professionals opening a first practice
- Post-revenue startups (6+ months) needing growth capital
- Owners with strong personal credit and equity injection
- Aurora entrepreneurs buying an existing business
- Business plan with 24-month financial projections
- Personal FICO 680+ preferred for SBA startup files
- 10–20% equity injection for SBA loans
- Industry experience of 2+ years for the primary owner
- Colorado business registration in place
From intake to funded in four steps.
“The single best financing structure for a stable startup is an SBA 7(a) — 10-year term, low equity injection, no collateral requirement if the file cash-flows. It's slower than short-term products but massively cheaper. If you can wait 45–75 days, wait.”
Questions Aurora operators actually ask.
Can I get a startup loan with no revenue?+
Yes, but only through SBA-backed programs, franchise-specific lenders, or personally-guaranteed credit-based products. Pure cash-flow lenders can't underwrite a business with no deposits.
How much do I need to put down for an SBA startup loan?+
10% minimum equity injection for most SBA 7(a) startup files. Some concepts require 15–20%.
Is a franchise easier to finance than an independent startup?+
Yes. SBA-approved franchise concepts have historical performance data that lenders can underwrite against. Independent startups require heavier projection work and stronger personal financials.
Can I use retirement funds for equity injection?+
Yes — a ROBS (Rollover for Business Startups) structure lets you fund equity from a 401(k) without an early-withdrawal penalty. We work with specialists who set these up.
Do you finance restaurants or bars for first-time owners?+
Yes, especially with prior industry management experience. It's harder than a franchise but very common in the Denver metro.
Talk to Aurora about startup business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.