Working Capital Loans for Denver, Colorado Small Businesses

The Financing Denver Small Businesses Need to Thrive

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Flexible & Effective Working Capital Loans Help Denver Small Businesses Prosper

Denver is a powerful economic hub that has a strong business culture. The range of different industries represented in the city is impressive. So is the number of people working for small businesses: Across Colorado, almost 50 percent of all workers are employed by small businesses.*

The power of small business is clearly recognized in Denver and throughout the state, but that isn’t always enough when a financial need or opportunity arises. That’s why National Funding is here to provide quick access to working capital, helping small businesses fund efforts to stabilize and expand their operations.

If you are Denver small business owner looking for a lender that cares about the success of your small business, choose National Funding.

*Sources: Small Business Profile 

“Across Colorado, almost 50 percent of all workers are employed by small businesses.”

Putting Your Working Capital Loan to Work

Working capital loans provide an influx of funds to use as small business owners see fit. Nearly any legitimate business expense is eligible, from unexpected bills to new hires and purchasing.

How could you use a working capital loan?  Consider a few examples:


Cover the costs of unforeseen business expenses.


Give you and your employees valuable additional skills.


Increase stocking levels for finished products and raw materials.


Market your business throughout Denver and beyond.

Expert Help Accessing Working Capital

National Funding works exclusively with small businesses. That means we have a strong grasp on how to best provide working capital loans. We’re also proud to offer a lending process that takes the needs of small businesses into account, from the initial application to delivery of funds. As a small business owner, you deserve a partner that understands your unique position and does their very best to help you access the working capital your business needs.

Denver businesses

Small Business Loans

When others say no .... National Funding says Yes!

National Funding is a top nationwide lender and convenient resource for business loans. We offer the flexibility to create small business loans with terms that meet your specific needs as a borrower. Our high approval rates mean that we can say ‘yes’ when other lenders say no. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.

There is no obligation to get started, and no need for collateral or a down payment. Receive a quick decision and get funding in as little as 24 hours.1

  • Loans from $5,000 to $500,000

  • No collateral required

  • Easy, no cost, no obligation application

  • Automatic payments

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Ratings & Reviews

We are very proud of what our customers are saying on Trustpilot

A Fast, Effective Application Process

Our dedication to small business lending starts with your working capital loan application. We know how difficult it is to take time away from your business, so we make sure you don’t have to put in any more time or effort than is necessary to complete an application.

The process is efficient and easy. What does it look like?

  • A simple application that focuses on a few specific business metrics, not piles of business data.
  • Practical lending standards that take the reality of operating a small business into account.
  • Delivery of funds in just a few days, meaning your working capital gets put to use without delay.

Fast & Easy

Click or call and receive a quick decision and funding in as few as 24 hours.1

How to Apply for a Working Capital Loan in Denver

Our quick online application process makes it easy for you to apply and receive a decision with little delay. What do we need from you?

  1. Just a single page of information that can be completed online - no long, drawn-out application required.
  2. Three months of recent bank statements.

That’s all! Ready to find how much funding you qualify for? Get Started


Our financing solutions and variable payment options are tailored to your specific needs.

What a Working Capital Loan Can Do for Your Denver Small Business

Denver offers fertile ground for small businesses, in areas from service and tourism to biotechnology and manufacturing. Have you considered what your enterprise could do with a working capital loan?

The options are nearly endless. That flexibility of funds is one of the biggest benefits of a working capital loan - when you qualify and the money is delivered, you can put it toward nearly any legitimate business purpose. From a number of small fixes and improvements to a single, major project or paying off high-interest credit card debt, your loan is fully in your hands. We’re ready to work with you, so don’t hesitate to start the application process today!


Since 1999, we've funded over $2 billion in capital for over 35,000 businesses nationwide.

National Funding is Here to Help Denver-based Small Businesses

National Funding is proud to have a strong history of successful lending exclusively to small businesses. In nearly two decades, we’ve helped all kinds of smaller organizations stabilize operations, expand their presence and diversify their offerings.

When you partner with us, you enjoy a lending experience built around small businesses. Complete our quick online application and work with a knowledgeable loan specialist today!


Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.


(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.


(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.


(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.


(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months


(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.


(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.


(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.