Requirements for Colorado Businesses
500+
Minimum FICO score
$8K+
Avg monthly deposits
6 mo
Minimum time in business
24–72 hrs
Funding decision timeline
The most active MCA industries in Colorado are construction, outdoor recreation, restaurants, cannabis-adjacent, and technology. MCA qualification is based on monthly deposits in your business bank account — not collateral, tax returns, or personal assets. Bank declines do not affect eligibility.
How Colorado Businesses Apply
- Complete the one-page application — business name, industry, owner info, estimated monthly revenue. Takes 10–15 minutes online.
- Upload 3 months of bank statements — all pages showing all deposit activity in your business checking account.
- Receive offers in 24–48 hours — multiple funders compete for your business through the Mom & Pop network.
- Sign and receive funds in 1–3 business days — no closing agent, no attorney, no site visit required.
Colorado Cities We Serve
We fund Colorado businesses statewide — from urban metros to rural markets. All cities, all counties.
Denver, CO
Colorado Springs, CO
Aurora, CO
Fort Collins, CO
Lakewood, CO
Thornton, CO
Arvada, CO
Westminster, CO
Get Funded — Colorado Businesses Welcome
Bank declines accepted. No collateral required. No obligation. Decisions in 24–72 hours.
Check My Colorado Business Eligibility →✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome
Colorado Business Funding FAQ
Can Colorado construction companies get MCA?
Yes — Colorado construction companies are strong MCA candidates. The Denver metro construction boom and mountain resort community building activity create year-round demand. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Weather-related seasonality is accounted for by averaging 6–12 months of deposits.
How fast can a Colorado business get funded through MCA?
Colorado businesses typically receive approval in 24–48 hours and funding in 1–3 business days. Denver metro businesses with clean bank statements commonly move at the faster end of that range. Most businesses that apply Monday are funded by Wednesday.
What Colorado industries use MCA most often?
The highest MCA usage industries in Colorado: construction and trades (materials and payroll bridge), restaurants (seasonal gaps and equipment), outdoor recreation retail (inventory for peak seasons), healthcare and wellness providers. Colorado's high small business formation rate makes it an above-average MCA market.
Do Colorado restaurants qualify for MCA?
Yes — Colorado restaurant requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Denver and ski resort area food service are both active MCA markets. Ski resort restaurants with strong winter seasons should time applications to align with peak deposit months.
Can Colorado cannabis-adjacent businesses get MCA?
Cannabis-adjacent businesses (CBD retailers, ancillary services) that have active business bank accounts and consistent deposits can qualify through certain funders in the Mom & Pop network. Dispensaries have more limited funder access due to federal banking restrictions. Contact T.A.G. directly to discuss options for cannabis-adjacent businesses.
More Funding Resources