How to Get a Business Loan for Your Steamboat Springs, CO Lodge: From Call to Offer

This page walks through the papers, the requirements and each step from call to offer.

Papers a Steamboat Springs, CO lodge can pull together before the first call

Nothing has to be gathered before the call, but a lodge that has these at hand can answer the partner's first round of questions in one go:

• The legal business name, the EIN and how the lodge is set up (LLC, corporation, sole owner)
• Business checking statements going back several months
• The two most recent business tax returns, or a note on why there are fewer
• A year-to-date profit and loss statement and, if there is one, a balance sheet
• Every loan, lease or advance still open, with its balance and its monthly payment
• For a purchase, the written quote or the item list with prices

Owners searching for their FICO SBSS score are looking at a business credit score; it runs from 0 to 300.

Small business loan requirements for Steamboat Springs, CO finish contractors

There is no single rulebook. Each funding partner writes its own requirements, and none of them is published here as a cutoff. For a finish contractor, these are the areas a partner can look at:

• Years in operation and the legal name the shop trades under
• Revenue, from bank deposits and tax returns
• Existing debt payments next to the cash that comes in
• Credit, both the contractor's own and the business's, which a partner may check as part of its review
• What the money is for and, for equipment or stock, what backs it
• Whether the owner signs a personal guarantee

In a shop with two or three people, the owner's own credit and guarantee sit close to the business's numbers. The 2023 County Business Patterns counted 86 building finishing contractors in Routt County, CO (NAICS 2383). ZIP Code Business Patterns put 65 building finishing contractors at a ZIP 80487 address the same year.

What documents a Steamboat Springs, CO landscaper needs for a small business loan

A landscaper's file looks a little different from an office's, because the business runs on crews, trucks and job schedules. The documents a partner can ask for:

1. Photo ID for each owner with a large share of the business
2. Recent business account statements where the job payments show up as deposits
3. Business and personal tax returns
4. A list of signed contracts or recurring maintenance accounts, with amounts
5. The mowers, trailers and trucks still under a payment plan, and what each one costs a month
6. For new equipment, the dealer quote with model and price

The papers above fit a crew of any size; among the 35 landscaping services establishments in Routt County, CO that the 2023 County Business Patterns counted (NAICS 561730), 32 ran with fewer than five employees. In a separate count, 2024 Nonemployer Statistics found 58 landscaping businesses in the county with no paid employees; a crew of one has the same papers to pull, just fewer of them.

The business loan underwriting process for a Routt County, CO lodge

Underwriting is the partner's own review, and Mapleshore Financial does not run it. For a lodge, a partner can work through these steps:

1. Read the bank statements for deposits, balances and any overdrafts
2. Set the existing debt payments against the cash the lodge brings in each month
3. Check business and personal credit
4. Value any collateral, such as furnishings or equipment being bought
5. Ask follow-up questions, by phone or in writing
6. Decide: an offer with an amount, a rate or factor and a term, or a no

A lodge going through those steps is one of a countable set: the 2023 County Business Patterns listed 36 traveler accommodation establishments in Routt County, CO (NAICS 7211). The 2024 Nonemployer Statistics separately counted 18 traveler accommodation businesses in the county without paid staff.

Step one: a call about what the Steamboat Springs, CO lodge needs funding for

The first step is a phone call, or the request form if the call comes later. Besides a name, phone, email and company name, the form only asks for three ranges, covering years in business, yearly revenue and the size of the request.

On the call, Mapleshore Financial asks what the lodge needs the money for: new room furniture, a payroll gap, a kitchen line, stock for the gift shop. It asks what the quote says, when the cost lands, and what the lodge already pays each month. Those answers decide which of the six funding types fits, and which partners the request goes to.

From there, a partner that takes up the request contacts the lodge for its papers and runs its review. If it makes an offer, the lodge reads it, asks questions, and signs only if the terms work. An owner still choosing between products can see all six funding types on one page first.

By Mapleshore Financial · Updated October 31, 2026