Revenue-Based Financing in Denver, CO
If a Denver business has busy and slow months, revenue-based financing keeps payments in step with sales. We shop one application to funding partners that offer it.
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What is revenue-based financing, and how is it repaid?
With a 1.25 cap in the example, the total paid back is set from day one; only the speed changes with sales.
What will a funder ask for?
Monthly revenue over recent months and how far weaker months fall below the average; a business averaging $100,000 gets a share sized to its margins.
How is the share set?
Funders look at margins and the spread between strong and weak months. For a restaurant, the share has to leave room for weekly produce and protein orders plus staff wages; the example settles on 8%.
Which local trades get the most from revenue-based financing?
Here is how the trades on this page are represented among Denver's 27,283 employers. The city has 36.8 employers per 1,000 residents, against 30.4 across Colorado and 24.5 nationally.
| Trade | Businesses in Denver | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 1,538 | 20.8 | 15.4 |
| Beauty and nail salons | 479 | 6.5 | 3.4 |
| Bars and taverns | 236 | 3.2 | 1.2 |
Why do Denver restaurants use revenue-based financing?
Fixed payments fight tourist seasons, holidays and the weather. A revenue share moves with them, which suits a restaurant. That trade has 1,538 locations here (20.8 per 10,000 residents).
How do local beauty and nail salons use revenue-based financing?
A salon's revenue rises and falls with holidays, wedding season and back-to-school weeks; in the lower months, the payment falls with it. Denver counts 479 of them, 1.8% of local employers.
What does revenue-based financing do for bars and taverns here?
For a bar, weekends, sports seasons and holidays decide the month; the payment follows. The city counts 236, at 2.7x the U.S. density.
What is the cost for a restaurant?
A restaurant averaging $100,000 a month takes $50,000 with a 1.25 cap. At 8% of revenue, an average month pays $8,000 and a month 30% lower pays $5,600.
| Worked example | Value |
|---|---|
| Average monthly revenue (example) | $100,000 |
| Amount funded | $50,000 |
| Cap | 1.25 |
| Total repaid | $62,500 |
| Revenue share | 8% |
| Payment in an average month | $8,000 |
| Payment 30% below average | $5,600 |
| Payment 30% above average | $10,400 |
| Months to repay at average | 7.8 |
What moves the price?
The example's 1.25 cap is the price of the money. Revenue that holds up in lean months earns a lower one. The factor rate calculator lets you test other amounts.
Free to apply. You never pay us a fee. We call back, usually the same business day.
Which parts of Denver are busiest?
ZIP 80202 has 3,309 employers, and its leading trade is restaurants with 186 locations.
| ZIP code | Employers | Leading trade | Its locations |
|---|---|---|---|
| 80202 | 3,309 | Restaurants | 186 |
| 80206 | 1,848 | Clothing and accessories stores | 133 |
| 80211 | 1,633 | Restaurants | 136 |
| 80216 | 1,498 | Restaurants | 44 |
| 80204 | 1,477 | Restaurants | 67 |
| 80222 | 1,477 | Restaurants | 84 |
What are the steps to get RBF?
- Open the form and note average revenue ($100,000 in the example).
- We talk through the share, such as 8% in the example, and how it lands in your slowest month.
- You pick one, sign, and the funder sends the money.
Who should skip revenue-based financing?
For a single urgent bill, a same-day advance is faster. If margins are thin, even a small share can pinch in a slow month; a line of credit lets you borrow only for the gap.
Which nearby cities do we also cover?
From Denver, Aurora is 9 miles out.
| City | Distance | Employers |
|---|---|---|
| Aurora, CO | 9 miles | 7,010 |
| Commerce City, CO | 10 miles | 679 |
| Englewood, CO | 10 miles | 1,223 |
| Thornton, CO | 11 miles | 2,022 |
What does a Denver business need to know about RBF?
What revenue do RBF funders count?
Deposits from sales, as shown in your statements or processor reports. Transfers between your own accounts don't count.
Does revenue-based funding work with uneven sales?
That is the case the product is built for. Funders look at revenue across the year, not one strong month.
Do Denver bars and taverns qualify for revenue-based financing?
Yes. Denver has 236 bars and taverns, and any of them can apply; funders decide from bank deposits, time in business and open advances, and we show you every offer.
Ready to compare offers on financing tied to revenue in Denver?
Applying is free, and you never pay us a fee. Call 877-FUND-654 with any question. We call back, usually the same business day, and we talk with you before your file goes to any funder.