Business Funding Broker Serving Grand Junction, CO and the Western Slope
Sandland Credit is a broker, not a lender.
Sandland Credit connects you with lending partners; partners make credit decisions and set rates and terms.
- 1Office on Main St
- 6Funding types
- 4Steps to a decision
- Address516 Main St, Grand Junction, CO 81501
- Phone(970) 238-2048
- RoleBroker, not a lender
- Funding types6 compared side by side
Our office on Main Street
Bring a funding question in person or ask it by phone. We explain repayment, collateral and what lending partners usually review.
- Address
- 516 Main St, Grand Junction, CO 81501
- Phone
- (970) 238-2048
- Role
- Broker, not a lender
Mesa County Businesses in Census Data
Employer establishments
Businesses with paid staff in Mesa County, Colorado.
Source: U.S. Census Bureau, County Business Patterns 2023No-payroll businesses
Mesa County businesses operating without paid employees.
Source: U.S. Census Bureau, Nonemployer Statistics 2024Employers with under five staff
Share of Mesa County employer establishments with fewer than five employees.
Source: U.S. Census Bureau, County Business Patterns 2023A broker, not a lender
Sandland Credit, a small-business funding broker in Grand Junction, CO, does not lend its own money. From 516 Main St it helps Mesa County and Western Slope owners compare six funding types and introduces each request to lending partners, which approve or decline it and set every rate and term. Call (970) 238-2048 to talk it through.
The name says Credit, so here is the plain version: Sandland Credit is a broker, not a lender. We do not lend money, approve applications or set prices.
What we do is the preparation. We ask what the funding will pay for and what will pay it back, explain how each funding type is structured, and take the request to partners that offer that type. Any offer, and the contract that comes with it, is between your business and the partner. Nobody here can promise in advance that a partner will say yes, how much it will offer or what it will cost, and anyone who makes that promise deserves suspicion. Our broker disclosures describe the relationship, and how a request moves shows where we sit in it.
Six funding types
6 ways Mesa County businesses pay for payroll, stock, equipment and growth, grouped by how each is paid back.
Working Capital
Cover wages, rent and supplier bills while receivables and slow months catch up.
Business Term Loans
A single sum for a remodel, a second location or a refinance, paid down on a set schedule.
Business Line of Credit
Draw only what a cost requires, pay it down, and draw again within the limit.
Inventory Financing
Stock the shelves or the warehouse first, then pay the financing down as goods sell.
Equipment Financing
Loans, leases and EFAs for excavators, kitchen lines, dental chairs and work vehicles.
Merchant Cash Advance
A sale of future receipts, not a loan. Price the total remittance before you sign.
How it works
Four steps from your first call to a partner's decision.
Tell us the job
Phone call, or the short form and a call back. What will the funding pay for, and where does the business's revenue come from?
Narrow the field
We pair the need with a funding type and with lending partners that offer it.
Partner underwriting
A lending partner reviews the request, decides, and sets any rate and terms.
Your call
Weigh the offer on total cost and payment schedule. Saying no is always an option.
Not sure where to start?
Call the Grand Junction, CO office and say what the money is for. We will tell you which options are worth exploring with lending partners.
Colorado guides and calculators
Plain-language guides and free calculators to use before you speak with a lender.
Colorado UCC Search
Run a Colorado UCC search on the Secretary of State site, read a financing statement, and clear a filing after payoff.
Starting a Colorado LLC
How to start an LLC in Colorado and fund it early on: state filing, tax accounts, a Grand Junction, CO sales tax license, and early funding options..
Western Slope Resources
Free and public help for Grand Junction, CO owners: the Mesa County SBDC, the chamber, economic development, city, county, state and SBA offices..
Balloon Payment Calculator
Work out the regular payment on a balloon loan or equipment finance offer, then the balloon itself by formula.
MCA Remittance Comparison
Estimate a merchant cash advance collected as a share of sales, then work out fixed daily debits by hand to compare.
What Mesa County Owners Ask First
If the name says Credit, does Sandland Credit lend money?
No. Sandland Credit is a broker, not a lender. Lending partners make the credit decision and set rates and terms; we prepare the request and explain the options. The disclosures spell this out.
What kinds of funding can you help a business compare?
Working capital, business term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. A merchant cash advance is not a loan, and we explain how it differs before you consider one.
Do you work with businesses outside Grand Junction, CO?
Yes. The office is on Main Street, and we work by phone and online with owners in Clifton, Fruita, Palisade and the rest of Mesa County. The areas page lists them.
Will a lending partner check my credit?
Most will, for the business and often for each owner. Ask the partner what kind of credit inquiry it plans to make before you authorize it.
Can I visit the office?
The address is 516 Main St, Grand Junction, CO 81501, and the phone number is (970) 238-2048. Call ahead so someone can set aside time; the contact page has the details.
Something else on your mind? Call (970) 238-2048 and ask our Grand Junction, CO office.
Send a Funding Request
A few questions to start. Rather talk? Call (970) 238-2048.
Sandland Credit connects you with lending partners; partners make credit decisions and set rates and terms. See our Privacy Policy, Terms and SMS Terms.