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What financing options are available for small businesses in Denver? Find out about possible loans and which ones might fit your business.
New businesses in Denver are among the fastest-growing in the country. Find out how the right business loan can help you thrive long-term.
Colorado ranks as one of the most tax-friendly states for businesses in the entire nation. Denver’s proximity to beautiful outdoor activities as well as top-rated universities makes it an attractive location for top talent. The city’s innovative culture makes Denver a hub for small businesses of all kinds. If you’re a small business owner in Denver looking for financing options, there are plenty of loan types to consider.
The Small Business Administration (SBA) guarantees a portion of these business loans for eligible companies. Apply through a private lender and choose from several different loan types that can be used for operating expenses, real estate, and more. Interest rates are attractive, but SBA loans can involve a slow and time-consuming application process.
Draw from a business line of credit when you need it, then make payments to replenish your available credit. Interest only accrues on your outstanding balance, making it a great way to even out cash flow or prepare for financial emergencies.
A term loan is a type of installment business loan. Your business receives a lump sum of cash, then you repay the principal and interest in fixed payments over a set period.
Equipment financing can be an affordable way to pay for machines or vehicles used in your business. Equipment financing can either be structured as a loan or a lease with various options to buy. The equipment itself is included as collateral.
With accounts receivable financing, you borrow a portion of your business’s outstanding invoices, which are used to secure the borrowed funds. When the invoice is paid, you receive the remainder of the amount, less a portion to pay the financing fees.
Business owners and startups in Denver have a variety of local financing resources to tap into.
The Colorado Enterprise Fund is a non-profit community development financial institution (CDFI) that offers financing for both launching and growing a business.
The Credit Union of Denver partners with Centennial Lending to provide local businesses with real estate and equipment loans.
Alpine Bank offers both SBA 7(a) loans and 504 loans to help established businesses with working capital, asset purchases, and more.
Colorado Enterprise Development Services focuses on business financing for immigrants, refugees, and entrepreneurs from underserved communities. They offer interest-based business loans, as well as Murabaha, an Islamic-compliant debt that is interest-free.
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See which credit cards you qualify for before choosing the one that best suits your business needs and offers the cash rewards you’re looking for.
Once you choose a card, you can get approved in as little as 7-10 days.
The Denver Metro Small Business Development Center is a great starting point because it offers free consulting and educational workshops for every stage of business. You can also apply for the Trout Tank Pitch Accelerator to sharpen your business pitch. Colorado’s SBDC Network also gives you access to an on-demand library so you can access resources outside of Denver.
The Colorado Office of Economic Development and International Trade lists grants available in the state in a range of areas. Options include advanced industries, cannabis, community revitalization, innovative housing, and many more.
To qualify for a business loan in Denver, you need to first register your business name and structure with the Colorado Secretary of State, and obtain the appropriate local business license. Then you need to check with specific lenders for eligibility requirements, which may include a minimum time in business and revenue.
It depends on your business model and qualifications. For instance, a term loan may be best if you have a specific purchase or expansion planned, while a line of credit could be better for businesses with inconsistent cash flow.
A Denver business loan can help with both financial emergencies and growth opportunities. Have a plan for repaying your debt to feel confident in your new business loan.