Colorado Springs · Pueblo · Castle Rock · Monument · Cañon City

Get the funding question right before you apply.

Nine funding products through one application. Based in Colorado Springs, working with businesses across the United States and Canada. I'll tell you which product fits your situation, whether you clear the requirements, and I'll tell you plainly when the answer is "not yet" — because applying for the wrong thing wastes your time and gets us both nowhere.

See where you stand → Call (719) 203-7363 Book a free consultation

Veteran-owned Nine funding products Nationwide — all 50 states and Canada Free to ask, free to apply Call: (719) 203-7363

What I actually do

The wrong product is an expensive mistake.

And that choice gets made before anything is submitted. That's where I come in — one call and you'll know:

Which option actually fits what you need
Whether you meet the requirements
Whether now is the right time to apply

The right product the first time

Nine products, and they're not interchangeable. If you're buying equipment, the equipment itself can secure the deal. Put that same purchase on a cash advance and you pay far more for it. Ten minutes on the phone sorts that out before anything gets submitted.

I'll tell you not to apply

If you don't clear the thresholds, I'll say so. I'd rather lose the application than waste your week and watch it come back declined. That's why the requirements are published right here on this page.

A person, not a call center

I'm in Colorado Springs and I answer my own phone. I'll ask what your business does and how money moves through it, because what fits a dental practice won't fit a trucking company. A form can't tell me that.

Find your fit

Four questions. Then you'll know where you stand.

Nothing here touches your credit and no email is required to see the answer. Pre-qualification doesn't require a hard credit pull with many non-bank lenders — it just gives you a realistic sense of your approval odds without damaging your score. This is the same conversation we'd have on the phone; I've put it here so you can have it at 10pm without waiting for me to pick up.

Hours, not weeksDecisions on same-day products in 2–4 hours

$25,000 to $5 millionSized to your revenue, or to the asset you're buying

Nine products, one formYou fill it in once. I do the routing.

Free to ask, free to applyI don't charge you a fee. Any lender costs are disclosed in your offer before you sign anything

Colorado Springs basedWorking with businesses across the US and Canada

1Average monthly revenue — what the business bills in a typical month

$35,000per month

$0$500,000+

2Your personal credit, roughly — a ballpark is fine

3How long have you been in business? — under a year is usually an automatic no, so let's get it out of the way

4What's the money actually for? — this is the one that decides it

What every business needs to qualify: at least one year in business, $35,000 a month in revenue, and a 550 credit score. Startups are not normally funded — call me and we'll discuss your specific situation. SBA runs the other way: two years in business, a 680 score, and two years of profitable tax returns.

Before you apply

What it takes to qualify.

Published plainly, because finding this out after a declined application is a waste of your time. Checking where you stand first costs you nothing.

Everything except SBA

At least 1 year in business
$35,000 average monthly revenue
550+ credit score
Business bank account with consistent deposits
US or Canadian registered business

Below $35,000 a month is declined regardless of product — including equipment, where people often assume the collateral changes things. It doesn't. It is also the requirement most likely to change on its own, because it moves with your revenue. Call anyway and I'll tell you which of the three you're closest to and what changes it.

SBA 7(a), 504 and Express

At least 2 years in business
680+ credit score
2 years of profitable business tax returns
The revenue minimum still applies
30–90 days, or 3–8 weeks for Express

The profitable-returns requirement is the one people most often miss. If your accountant has been doing a good job of minimizing what you show, that is the thing most likely to stop an SBA file — and it takes two tax years to undo. Which is the argument for deciding now rather than later: if a building purchase is anywhere in your two-year plan, the returns you file this year are the ones underwriting will read. Everything except SBA is open to you meanwhile.

Startups

Normally not funded on their own
Exceptions considered case by case
Strongest case: you already own an established business

Give me a call so we can discuss your specific situation and I'll try to get you qualified. It's a real conversation, not an automatic no.

Funding options

Nine products through one application.

You don't need to know which one you want. That's the part I do — and picking wrong is expensive, so it's worth a ten-minute conversation before anyone submits anything.

Asset securedEquipment FinancingUp to $5 million, new or used. The equipment itself is the collateral, so credit carries less weight here than it does on unsecured borrowing, and the money goes straight to your vendor.

FastestMerchant Cash AdvanceFunds in 2–4 hours on a clean file, against future receipts. The most expensive option on this page. Built for a short, dated gap rather than for ongoing operating costs.

Same-dayWorking CapitalShort-term funding for the gap between doing the work and getting paid for it. Revenue-qualified, and decided in the same 2–4 hours.

FixedBusiness Term LoanFixed amount, fixed payment, a date it ends. Costs less than an advance, and the payment is fixed, so you can model it before you sign.

RevolvingBusiness Line of CreditDraw, repay, redraw. You only pay for what you use. The hardest product here to qualify for: underwriting looks for a longer track record and stronger credit than the minimums suggest.

RestructureDebt ConsolidationMultiple advances replaced with a single longer payment. Generally needs two or more open positions and around $30,000 outstanding to make sense.

Government-backedSBA 7(a)$25,000 to $5 million. Up to 25 years on real estate and equipment, 10 years otherwise. The lowest-cost option on this page, and it takes 30 to 90 days.

Government-backedSBA 504$500,000 or higher for owner-occupied property. Structured as a bank loan covering about half the project, an SBA-backed portion of up to 40%, and at least 10% down from you.

Government-backedSBA ExpressUp to $500,000 over as long as ten years, with a credit decision in about 24 hours. Funding still takes three to eight weeks — a fast approval is not fast money.

How it works

Three steps, and the first one costs you nothing but ten minutes.

We talk first

Ten minutes on the phone. What the money is for, what the business actually banks each month, and whether there's anything already stacked on top of it. If you're not ready, I'll tell you to wait — that's the call working properly.

One application, then documents

Five steps, about three minutes. Then bank statements — the application tells you how many months. Getting those documents back is the step I'll chase you on, because a file that sits doesn’t get funded.

Underwriting takes it from there

Once your file is complete it goes to an underwriting team, and they handle the review, the decision and presenting whatever they can offer you. Amounts, rates and terms are theirs to set. Worth knowing upfront so the handoff isn't a surprise.

Start here

Stop guessing what you qualify for.

This is the short form. It tells me what you need and roughly when, and it gives me enough to call you back with something useful rather than a list of questions. The full application is five steps and takes about three minutes — you can go straight there instead if you'd rather.

Start the application → Call me: (719) 203-7363 Book ten minutes

Who I work with

Any industry. The same three requirements.

The products aren't industry-specific and neither am I. If your business has been operating a year, banks $35,000 a month and clears 550, the door is open — it doesn't matter what you do. A restaurant, a machine shop, a dental practice and a trucking company hit the same three requirements, and the nine products are the same nine. What changes is which one fits, and that's the conversation.

Trucking & logisticsManufacturingRestaurants & food serviceMedical & dentalConstruction & tradesAuto repairRetailProfessional servicesWholesale & distributionStaffing & recruitingSalons & wellnessVeterinaryCleaning & janitorialE-commerceChildcare & educationFitness & gymsLandscapingPrint & signageIT & softwareAgriculture

Based in Colorado Springs and working the Front Range in person — but the products are available to businesses across the United States and Canada, so distance isn't a reason not to call.

Questions

The things people actually ask.

What does this cost me?

Nothing. I am not permitted to charge you a fee of any kind in connection with your funding, and a deal is priced the same whether it comes through me or you go direct. There is no upfront fee, no application fee and no consulting fee. If anyone in this industry asks you for money before you're funded, that is the moment to walk away.

How fast can I actually get funded?

Depends entirely on the product. Working capital and a merchant cash advance can move in two to four hours on a clean file. Equipment financing typically runs a few days once the vendor quote is in. SBA Express gives a credit decision in about 24 hours but the money still takes three to eight weeks. Full SBA is 30 to 90 days. Anyone promising you same-day SBA is telling you what you want to hear.

Will this hurt my credit?

Pre-qualification doesn't require a hard credit pull with many non-bank lenders. It can give you a realistic sense of approval odds without damaging your score. That's the whole point of screening properly before you apply — you find out where you stand first, and only submit a full application when it's worth submitting.

My revenue is under $35,000 a month. Anything at all?

Not right now, and I'd rather tell you that than take your application and let it come back declined. The threshold is across the board. It's also not permanent — it moves with your revenue, and I'm happy to check back in ninety days if you leave me your details.

I already have two advances. Am I stuck?

Not necessarily, and this is worth a call. Stacked positions put a profitable business under real strain, because the daily debits compound until you're working to service the debt. Consolidation replaces them with one longer payment. It generally needs two or more open positions and around $30,000 outstanding to be worth doing.

Why wouldn't I just go to my bank?

You should try, genuinely — if your bank will do it, a bank line is usually cheaper than anything on this page. Banks tend to want two to three years of profitable returns, real collateral and four to eight weeks. This exists for businesses that are solid but don't fit that box, or that need money faster than a bank moves.

Is my industry a problem?

Almost certainly not. Nothing here is industry-specific — the requirements are revenue, time in business and credit, and they apply the same way whether you pour concrete or fill teeth. The product that fits you will differ, which is the part worth a phone call. A handful of industries are harder to place with certain funders; if yours is one of them I'll tell you on the first call rather than after a declined application.

Are you the one lending me the money?

No. UpRich LLC is not a lender and does not make credit decisions. What I do is work out which product fits, check you against the requirements before you apply, and help get a complete file submitted. From there an underwriting team reviews it and presents any offers directly to you — the amount, the rate and the terms are theirs to set, not mine. Which is why you should be skeptical of anyone who quotes you a firm number before they've seen your bank statements.

Next step

Ten minutes on the phone, or apply online right now.

If you're not sure which, call. It costs you nothing, it doesn't touch your credit, and I'll tell you honestly whether it's worth applying at all — which is the part that actually saves you something.

Start the application → Call (719) 203-7363 Book a free consultation