Colorado MCA Disclosure Status
Colorado does not currently have a commercial finance disclosure law equivalent to California SB 1235. T.A.G. voluntarily discloses total amount financed, total repayment amount, APR equivalent, estimated term, payment frequency, and prepayment terms on all Colorado MCA offers: giving Colorado business owners the information they need to compare financing costs before signing.
MCA Qualification Requirements: Colorado
Colorado Industries T.A.G. Funds
Colorado Cities We Fund
Frequently Asked Questions
- How do I get a merchant cash advance in Colorado?
- Apply online at T.A.G. in under 10 minutes. Submit 6 consecutive months of Colorado business bank statements. Sign electronically once you receive an offer. Funding timing is set by the funding provider after review. Requirements: 500+ FICO, $4,000 to $6,000+/month revenue, 6+ months in business, active CO business bank account, no open bankruptcy.
- Are merchant cash advances legal in Colorado?
- Yes: MCAs are legal in Colorado. Colorado does not currently have a commercial finance disclosure law equivalent to California SB 1235. MCAs are classified as purchase agreements for future receivables, not loans. T.A.G. voluntarily discloses total cost, APR equivalent, and repayment terms on every Colorado MCA offer.
MCA for Colorado Businesses: Economy Overview
Colorado's $480 billion economy is one of the most diversified in the West: aerospace and defense (Lockheed, Raytheon, United Launch Alliance), technology (Zoom, Google Boulder), energy (oil and gas plus growing renewables), cannabis, outdoor recreation, and a world-class restaurant and hospitality market in Denver. Colorado has not enacted a state-specific commercial finance disclosure law as of 2026.
How Much Can a Colorado Business Get?
MCA advances are typically 75 to 150% of your average monthly gross deposits. A Denver restaurant with $68,000/month qualifies for $51,000 to $102,000. A Boulder tech firm with $90,000/month qualifies for $67,500 to $135,000. A Colorado Springs defense contractor with $95,000/month qualifies for $71,250 to $142,500.
- Technology and Aerospace
- $90K/mo → $67,500 to $135,000. Denver tech corridor, Lockheed, Raytheon suppliers.
- Restaurants and Hospitality
- $68K/mo → $51,000 to $102,000. Denver RiNo, Cherry Creek, ski resort towns.
- Energy
- $95K/mo → $71,250 to $142,500. Oil and gas services, renewable energy.
- Healthcare
- $78K/mo → $58,500 to $117,000. Denver and Boulder independent practices.
- Construction
- $88K/mo → $66,000 to $132,000. Denver metro residential and commercial boom.
- What Colorado businesses qualify for an MCA?
- Restaurants, contractors, retailers, healthcare practices, manufacturers, hospitality companies, and most revenue-generating small businesses qualify. Requirements across all Colorado cities: 500+ personal FICO, $4,000 to $6,000+/month in gross revenue, 6+ months in business, an active CO business bank account, and no open bankruptcy. Denver, Colorado Springs, Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, Boulder, and all Colorado cities, qualify.
- How much can a Colorado business get from an MCA?
- Typically 75 to 150% of your average monthly gross deposits. A Denver restaurant with $68,000/month qualifies for $51,000 to $102,000. A Boulder tech firm with $90,000/month qualifies for $67,500 to $135,000. A Colorado Springs defense contractor with $95,000/month qualifies for $71,250 to $142,500. The maximum advance is $5,000,000 for high-revenue businesses. The application takes about ten minutes; the funding provider decides after it reviews your file.
- Does Colorado regulate merchant cash advances?
- As of 2026, Colorado has not enacted a state-specific MCA or commercial-financing disclosure law. T.A.G. voluntarily discloses the advance amount, total repayment amount, APR equivalent, payment schedule, and prepayment terms in writing before funding.