American Business Funding is a business finance firm based in Denver, CO, providing funding solutions for small and mid-sized businesses in Colorado and beyond. The firm focuses on helping business owners access working capital, expansion financing, and alternative lending products. Contact the office at 720-707-3030.
Small Business Funding Products
Business funding companies offer multiple financing vehicles depending on a business’s revenue, credit profile, collateral, and funding timeline. Common products in the small business lending market include:
- SBA loans (Small Business Administration) — government-backed loans with lower interest rates and longer repayment terms than conventional business loans. The SBA 7(a) program offers up to $5 million for a variety of business purposes; the SBA 504 program provides long-term fixed-rate financing for major assets like real estate and equipment.
- Business term loans — lump-sum loans repaid over a fixed term (typically 1–10 years) with monthly payments; available from banks, credit unions, and online lenders.
- Business lines of credit — revolving credit facilities for managing cash flow; businesses draw funds as needed and repay, restoring available credit.
- Merchant cash advances (MCAs) — advances against future credit card or debit sales, repaid as a percentage of daily sales. MCAs carry high effective APRs and are best suited for short-term, high-margin businesses.
- Equipment financing — loans or leases specifically for business equipment purchases; the equipment itself typically serves as collateral.
- Invoice factoring — selling outstanding invoices to a third party at a discount to obtain immediate cash; common in B2B businesses with net 30/60 payment terms.
Colorado Small Business Lending Environment
Colorado’s small business sector has grown significantly, driven by the state’s booming technology, cannabis, outdoor recreation, and professional services industries. Denver’s low unemployment rate and strong economy have historically supported active small business lending markets. The SBA Colorado District Office in Denver supports SBA loan access through participating lenders throughout the state. Colorado also maintains the Colorado Office of Economic Development & International Trade (OEDIT), which offers state-level grant and loan programs for qualifying businesses.
Contact
American Business Funding is based in Denver, CO. For small business loan inquiries or working capital solutions, call 720-707-3030. For additional business finance options, see our Capdeck Business Loans listing and Affiliated Lending Group.