Working Capital Loans in Aurora, CO
Working capital loans are the day-to-day fuel of an Aurora business — the money that pays employees before customers pay you, buys inventory before a busy season, and keeps the lights on when a receivable is late. Marquette Capital Group funds working capital loans for Colorado businesses from $10K to $500K with terms typically running 6 to 36 months.
Unlike a line of credit (which is revolving) or SBA financing (which is long and slow), a working-capital loan is a lump sum you receive up front and pay back on a fixed schedule. It's the right tool when you know exactly how much you need, know when your business will produce the cash to pay it back, and want the whole thing done in a week rather than a quarter.
We underwrite off bank-statement cash flow — meaning if your business has been generating consistent deposits, you can qualify even if your tax returns don't tell the full story yet.
- Making payroll during a slow month
- Buying inventory ahead of a big season
- Bridging a delayed customer payment
- Marketing spend to capture a growth window
- Covering an unexpected repair or opportunity
- 6+ months of business operating history
- $10K+/month in business deposits
- Business bank statements (3 months minimum)
- Personal FICO 550+ (most programs accept 600+)
- Colorado business license in good standing
From intake to funded in four steps.
“Working-capital loans are fast and flexible but priced above SBA and bank paper. If you have time and cash-flow to run a 45-day SBA process, you'll pay less over the life of the loan. If you need funds this week, a working-capital loan is the right tool. We'll show you both quotes so you can choose.”
Questions Aurora operators actually ask.
How fast can I actually get working capital funded?+
For clean files with 3 months of statements, funding in 24–48 hours is normal. Larger amounts ($250K+) may take a week for additional documentation.
What's the difference between a working capital loan and an MCA?+
A working-capital loan has a fixed dollar amount, a fixed term, and a fixed interest rate. An MCA (merchant cash advance) is a purchase of future receivables with daily/weekly remittances and a factor rate, not APR. Working-capital loans are almost always cheaper — we'll only recommend an MCA when nothing else fits.
Can I get a working capital loan with bad credit?+
Yes, though rates run higher. We regularly close working-capital loans for Aurora businesses with FICOs in the 550–620 range, backed by strong bank deposits.
Do I need collateral?+
Most working-capital loans under $250K are unsecured. Above that, we sometimes take a UCC-1 blanket lien on business assets.
Can I pay it off early?+
Yes, and we structure files to allow prepayment savings when possible. Ask about early-payoff discounts before you sign.
Talk to Aurora about working capital loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.