SOLUTIONS
Business Funding Solutions Built Around Your Business
Monument Payments helps business owners understand their funding options, compare products, and secure the solution that best fits their goals. We are not a lender. We are a trusted business advisor that guides you through the entire process from start to finish.
ETA Certified Payment Professional
Serving Businesses Since 2014
500+ Merchants Served
PCI DSS Compliant
Why Monument
Capital When Your Business Needs It
Most business owners do not have time to research dozens of lenders, decode confusing terms, or navigate a process designed for financial professionals. Monument acts as your trusted advisor throughout the funding process. We help you understand your options, compare products side by side, explain repayment structures clearly, and determine which funding solution makes the most sense for your business before you commit to anything.
Our goal is not to sell you a funding product. Our goal is to make sure you choose the right one.
Dedicated Advisor
One point of contact throughout the entire process. No call centers, no handoffs.
Clear Explanations
Monument explains repayment structures, factor rates, and terms in plain language before you commit.
No Pressure Approach
We recommend based on what fits your business goals, not what generates the highest commission.
Long-Term Relationship
Monument stays involved after funding closes. We are here when you need additional capital or have questions.
Industries Served
Funding for Every Type of Business
From retail and restaurants to service businesses and petroleum operations, Monument helps businesses across industries secure the capital they need to grow, manage cash flow, and seize opportunities.
Retail
Service Businesses
Salon & Spa
Restaurants & Hospitality
Healthcare Professional
Petroleum
Funding Goals
What Are You Trying to Accomplish?
Business owners rarely wake up thinking about financing products. They think about what they need to get done. Tell Monument what you are trying to accomplish and we will identify the funding solution that fits.
Working Capital
A lump sum of capital repaid through a fixed percentage of your daily card transactions. Faster approval than traditional loans. Repayment adjusts with your revenue - you pay more on busy days and less on slow days.
Equipment Purchases
Fixed-amount loans with daily or weekly repayment schedules. Predictable payment amounts make cash flow planning straightforward. Typically used for specific projects or purchases with a defined timeline.
Business Expansion
Funding specifically for business equipment purchases - kitchen equipment, vehicles, machinery, or other capital assets. The equipment itself often serves as collateral, which can mean better terms.
Flexible Access to Capital
Revolving credit that you draw from as needed. You only pay interest on what you use. Ideal for managing cash flow fluctuations, seasonal inventory needs, or having capital available for unexpected opportunities.
Not Sure Which Option is Right for You?
We'll help you navigate the options. Let's talk about your business needs.
THE PROCESS
A Simple Path to Funding
Every engagement begins with a conversation, not an application. Monument guides you through each step so you always know where you stand.
01 Conversation
We start with a conversation about what you need capital for, how much you need, and your timeline. This is not a formal application. It is a conversation to understand your situation.
02
Pre-Qualification
Based on your business profile, revenue, time in business, and general credit standing, we identify which funding products you are likely to qualify for. This typically involves a soft credit pull that does not affect your score.
03
Options Presentation
We present the funding options available to you with clear terms: funding amount, cost of capital, repayment structure, and timeline. Monument explains the tradeoffs so you can make an informed decision.
04
Application & Approval
Once you choose a funding product, we help you complete the application and submit it to the funding partner. Many products are approved within one to three business days.
05 Funding & Ongoing Support
Funds are deposited into your business account. Monument remains available if you have questions about repayment, need additional capital in the future, or want to explore refinancing options.
$5M+
in funding facilitated
1 Day
typical decision timeline
10+ Years
serving Colorado businesses
No Pressure
recommendations based on your goals
PARTNERSHIP
Your Partner in Growth
Monument Payments works with businesses on their payment processing and frequently encounters clients who need capital for new equipment, expansion, inventory, or cash flow. Rather than sending you to find funding on your own, we bring the same consultative approach to business funding that we apply to every other solution we offer.
Our relationship does not end when funding is approved. Monument remains available to answer questions, review your situation as your business grows, and help you access additional capital when the time is right.
Compare
Why Businesses Work With Monument
Searching for funding on your own is time-consuming, confusing, and often leads to pressure from lenders who prioritize their own commissions. Monument offers a different experience.
| Consideration | Searching On Your Own | Working With Monument |
|---|---|---|
| Lender Research | x Comparing dozens of lenders on your own | One trusted advisor who knows the funding landscape |
| Terminology | x Confusing factor rates, APR, and repayment terms | Clear explanations in plain English before you decide |
| Applications | x Different applications at every lender | One streamlined qualification process |
| Sales Pressure | x Pressure from lenders motivated by their own commissions | Recommendations based on your business goals |
| After Funding | x Funding ends the relationship | Long-term support before and after funding |
ADVANTAGES
Funding That Adapts to Your Business
Rather than promoting specific products, Monument focuses on the advantages that matter most to business owners.
Fast Decisions
Many qualified businesses receive funding decisions within one business day.
Flexible Repayment
Many funding products adjust repayment based on business performance, so you pay more on strong days and less during slower periods.
No Hard Collateral Required
Many funding options rely more on business performance than personal assets or real estate.
Use Funds Your Way
Inventory. Payroll. Equipment. Expansion. Marketing. Working capital. Whatever helps move your business forward.
Not Sure Where to Start?
Most businesses that contact Monument are not sure exactly what they need. That is normal, and it is exactly what the consultation is for. Monument evaluates your current setup, identifies where friction exists, and recommends the path forward. There is no cost and no obligation.
You can also explore by industry to see how Monument works with businesses like yours, or browse the systems Monument deploys.
COMMON QUESTIONS
Frequently Asked Questions
Questions about how Monument works, what solutions fit your business, and what to expect from the process.
Still have questions?
Monument is happy to walk through your specific situation on a call.
How much funding can my business qualify for?
Funding amounts vary based on your monthly revenue, time in business, and the specific product. Monument evaluates your profile and helps you understand a realistic range before you apply. Many businesses qualify for amounts between $10,000 and $500,000 or more.
How quickly can funding be approved?
Many funding products can be approved within one business day, with funds deposited shortly after. The exact timeline depends on the funding product and the completeness of your application. Monument helps you prepare your application to minimize delays.
Does applying affect my credit?
Initial pre-qualification typically involves a soft credit pull, which does not affect your credit score. A hard credit pull may be required during final underwriting for some products. Monument advises you on which products require hard pulls before you apply.
What documents are required?
Most funding products require recent bank statements, basic business information, and a completed application. Some products may request tax returns or financial statements. Monument walks you through exactly what is needed for each option.
Can startups qualify?
Most funding products require at least six months of business history and a minimum monthly revenue. Very early-stage businesses may have limited options, but Monument will evaluate your situation and identify any products that may be available to you.
Can funding be used for payroll or inventory?
Yes. Business funding can be used for virtually any business purpose, including payroll, inventory, equipment, renovations, marketing, and cash flow management. There are generally no restrictions on how you use the capital.
Can I pay funding off early?
Early payoff policies vary by funding product and partner. Some products allow early payoff with a discount on remaining fees. Monument reviews the early payoff terms for each option before you commit so there are no surprises.
How does Monument determine which funding option is right for my business?
Monument starts with a conversation about what you need capital for, how much you need, and your timeline. We then evaluate your business profile and present the options most likely to fit your situation. We explain the tradeoffs clearly so you can make a confident, informed decision.
Ready to Invest in Your Business?
Whether you are purchasing equipment, expanding your business, increasing inventory, or improving cash flow, Monument Payments will help you understand your options and guide you through the funding process from start to finish.
