Working capital loans provide cash to cover payroll, inventory, rent, and daily expenses without collateralizing specific assets.
The owner of a climbing-gear retailer on Washington Avenue watches spring approach. Tourist season hits Golden hard between May and September, and she needs $85,000 to stock ropes, harnesses, and apparel before the Front Range hiking crowd arrives. Her bank quoted a six-week timeline. She called Oakfield Advances on a Monday morning; by Thursday afternoon, three working capital proposals sat in her inbox, each structured differently. She picked the option that matched her cash-flow cycle, signed Friday, and funded the following Tuesday. Inventory arrived before Memorial Day weekend.
Working capital
Working capital loans fund the gap between when you pay suppliers and when customers pay you. Golden businesses along Washington Avenue and near the Coors Brewery campus use these loans for inventory before seasonal peaks, payroll during slow winter months, marketing campaigns, lease deposits, or unexpected repairs. Unlike equipment financing or commercial real estate loans that tie to a specific asset, working capital gives you cash to deploy wherever your operation demands it. Terms range from six months to several years, and because Oakfield Advances works as a broker, we compare options across multiple funding sources instead of pitching a single product.
Speed drives every conversation. Golden sits fifteen minutes west of our office at 150 Sheridan Blvd, Denver, CO 80226, Lakewood, CO, and we know the rhythm of businesses serving both locals and the constant stream of visitors heading to Lookout Mountain and Red Rocks. We submit your file to lenders who underwrite fast, negotiate terms that fit your cash flow, and keep you updated through every step. You get one broker who has closed this transaction dozens of times, not a call center. Dial (720) 864-8914 and we will walk through your situation today.
How it works
You tell us how much you need and what it covers. We pull together your financials, draft a concise narrative, and send your package to funding sources that match your profile. Offers come back within days. We explain each structure, you choose, and the lender wires funds. The entire cycle typically wraps in one to two weeks, sometimes faster if your books are current and your revenue history is clean.
For more detail on working capital loans across our service area, visit our main program page. To explore other financing options in Golden, check our city hub. We also serve Lakewood and surrounding communities with the same broker-direct approach.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
