Searching for trusted Colorado SBA lenders to power your business growth? Our comprehensive directory connects Colorado entrepreneurs with approved SBA loan providers throughout Denver, Colorado Springs, Fort Collins, Boulder and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Colorado businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Colorado small business thrive in the Rocky Mountain region’s dynamic economic landscape.
| Lender | Colorado Based Lender |
|---|---|
| 5 Star Bank | X |
| Adams Bank & Trust | |
| Air Academy FCU | X |
| Alamosa State Bank | X |
| Alpine Bank | X |
| America First Federal Credit Union | |
| American Bank of Commerce (ABC) | |
| Ameris Bank | |
| AMG National Trust Bank | X |
| ANB Bank | X |
| Atlantic Capital Bank, National Association | |
| Bank of America, National Association | |
| Bank of Colorado | X |
| Bank of Estes Park | X |
| Bank of George | |
| Bank of Hope | |
| Bank of the West | |
| Bankers’ Bank of the West | X |
| BankUnited, National Association | |
| BBVA USA | |
| Bellco Credit Union | X |
| Berkshire Bank | |
| BlueVine | |
| BOKF, National Association | |
| Busey Bank | |
| Byline Bank | |
| Cache Bank & Trust | X |
| Cache Valley Bank | |
| Cadence Bank, National Association | |
| Canvas Credit Union | X |
| CEDCO | X |
| CEDS Finance | X |
| Celtic Bank Corporation | |
| Champion Bank | X |
| Choice Financial Group | |
| CIBC Bank USA | |
| Citizens Bank | |
| Citywide Banks | |
| Coastal States Bank | |
| COBank ACB | X |
| Colorado CU | X |
| Colorado Enterprise Fund | X |
| Colorado Federal Savings Bank | X |
| Colorado Lending Source | X |
| Commerce Bank | |
| Commonwealth Business Bank | |
| Community Banks of Colorado | |
| Community Choice CU | X |
| Credit Union of Denver | X |
| CRF Small Business Loan Company, LLC | |
| Custer Federal State Bank | |
| Del Norte Bank | X |
| Denver Community Credit Union | X |
| Denver Fire Department FCU | X |
| Denver Investment Advisors LLC | X |
| Dreamspring (formerly ACCION) | |
| Dubuque Bank and Trust Company | |
| Elevations CU | X |
| ENT Credit Union | X |
| Evergreen National Bank | X |
| Evolve Bank & Trust | |
| Farm Credit of Southern Colorado, ACA | X |
| Farmers Bank | X |
| Farmers State Bank | |
| Farmers State Bank of Calhan | X |
| Fidelity Bank | |
| Fifth Third Bank | |
| First American State Bank | X |
| FirstBank | |
| First Bank Financial Centre | |
| First Business Bank | |
| First Colorado National Bank | X |
| First FarmBank | X |
| First Financial Bank | |
| First Home Bank | |
| First Internet Bank of Indiana | |
| First National Bank | |
| First National Bank of Omaha | |
| First National Bank, Cortez | X |
| First Pioneer National Bank | X |
| First Savings Bank | |
| First Southwest Bank | X |
| First Western Trust Bank | X |
| FirstBank | X |
| FirsTier Bank | |
| FlatIrons Bank | X |
| FMS Bank | X |
| Foothills Credit Union | X |
| Fortis Private Bank | X |
| Fountainhead SBF LLC | |
| Fowler State Bank | X |
| Frontier Bank | X |
| Funding Circle | |
| Glacier Bank | |
| Grand Junction Federal Credit Union | X |
| Great Western Bank | |
| Gulf Coast Bank and Trust Company | |
| Hana Small Business Lending, Inc. | |
| Hanmi Bank | |
| High Country Bank | X |
| High Plains Bank | X |
| Home Loan State Bank | X |
| HomeTrust Bank | |
| Immito, LLC | X |
| InBank | |
| IncredibleBank | |
| Independence Bank | |
| Independent Bank | |
| Integrity Bank & Trust | X |
| Intuit Quickbooks | |
| JPMorgan Chase Bank, National Association | |
| Kabbage | |
| KeyBank National Association | |
| Kirkpatrick Bank | |
| Krupa Assoc | X |
| Legacy Bank | X |
| Live Oak Banking Company | |
| Meadows Bank | |
| Mechanics & Farmers Bank | |
| Meridian Bank | |
| MetaBank | |
| Metrum Community Credit Union | X |
| MidFirst Bank | |
| Midland States Bank | |
| Midwest Regional Bank | |
| MidWestOne Bank | |
| Mountain River CU | |
| Mountain Valley Bank | X |
| Mountain View Bank of Commerce | X |
| MUFG Union Bank, National Association | |
| Native American Bank, NA | X |
| NBH Bank dba Community Banks of CO | X |
| Newtek Small Business Finance, Inc. | |
| North Valley Bank | X |
| Nuvista FCU | X |
| OnDeck | |
| Open Bank | |
| Optus Bank | |
| Pacific City Bank | |
| Pacific Western Bank | |
| Park State Bank & Trust | X |
| Partner Colorado CU | X |
| Partners Bank | |
| PayPal | |
| Peoples CU | X |
| Pikes Peak National Bank | X |
| Pikes Peak Regional Development Corporation | X |
| Platte Valley Bank | |
| Points West Community Bank | X |
| Poppy Bank | |
| Preferred Lending Partners | X |
| Premier Farm Credit, PCA | X |
| Premier Members Credit Union | X |
| PromiseOne Bank | |
| Providence Bank | |
| Radius Bank | |
| Readycap Lending, LLC | |
| Redstone Bank | X |
| Region 10 LEAP | |
| Rio Grande Federal Credit Union | X |
| Rio Grande Savings and Loan Association | X |
| Rocky Mountain Bank and Trust | X |
| San Luis Valley Federal Bank | X |
| Seacoast Commerce Bank | |
| Seacoast National Bank | |
| ServisFirst Bank | |
| Simmons Bank | |
| Solera National Bank | X |
| Space Age FCU | X |
| Spirit of Texas Bank, SSB | |
| SQUARE | |
| Star Tech Federal Credit Union | X |
| Stearns Bank National Association | |
| Sterling FCU | X |
| Stockmens Bank | X |
| Stone Bank | |
| Sunflower Bank, National Association | X |
| T Bank, National Association | |
| TBK Bank, SSB | |
| TCF National Bank | |
| Texas Capital Bank, National Association | |
| The Bancorp Bank | |
| The Bank of Burlington | X |
| The Bank of Denver | X |
| The Citizens State Bank of Ouray | X |
| The Colorado Bank & Trust Company of La Junta | X |
| The Dolores State Bank | X |
| The Eastern Colorado Bank | X |
| The Farmers State Bank of Brush | X |
| The First National Bank in Trinidad | X |
| The First National Bank of Fleming | X |
| The First National Bank of Hugo | X |
| The First National Bank of Las Animas | X |
| The Gunnison Bank and Trust Company | X |
| The Kearny County Bank | |
| The Pueblo Bank and Trust Company | X |
| The State Bank | X |
| Thomas A Waters | X |
| Timberline Bank | X |
| Tivoli Venture | X |
| Transact Bank | X |
| U.S. Bank, National Association | |
| UMB Bank, National Association | |
| Umpqua Bank | |
| Union Bank and Trust Company | |
| United Community Bank | |
| United Midwest Savings Bank, National Assoc | |
| VelocitySBA, LLC | |
| Verus Bank of Commerce | X |
| Volunteer State Bank | |
| Wells Fargo Bank, National Association | |
| West Town Bank & Trust | |
| Western Capital Holdings, Inc | X |
| Westerra Credit Union | X |
| Westminster Federal Credit Union | X |
| White Crown Federal Credit Union | X |
| World Trade Finance, Inc. | |
| Wray State Bank | X |
| Yampa Valley Bank | X |
| Yuma County FCU | X |
| Zions Bank |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Colorado?
A: SBA loans are government-backed loans provided through approved lenders in Colorado. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Colorado small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Colorado entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Colorado businesses?
A: Colorado businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Colorado?
A: To qualify for an SBA loan in Colorado, businesses typically need:
- For-profit operation based in Colorado
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Colorado SBA lenders support outdoor recreation businesses?
A: Colorado’s thriving outdoor economy has created specialized SBA lending expertise for recreation-related businesses. Several Colorado lenders have dedicated outdoor industry divisions that understand the unique needs of equipment manufacturers, retailers, guiding services, and adventure tourism operators. These lenders often coordinate with the Colorado Outdoor Recreation Industry Office to provide comprehensive support. Some Colorado SBA lenders offer specialized loan packages designed for seasonal cash flow patterns common in the outdoor industry, with flexible payment structures aligned with high and shoulder seasons.
Q: Are there special SBA loan programs for Colorado’s rural businesses?
A: Yes, Colorado’s diverse geography has led to robust support for rural entrepreneurs. Several Colorado SBA lenders participate in the USDA Rural Development Business & Industry Guarantee program alongside SBA programs to provide enhanced options for rural businesses. Organizations like the Colorado Rural Development Council partner with these lenders to provide specialized support. Some Colorado lenders have developed expertise working with businesses in mountain towns, agricultural communities, and energy-producing regions, offering tailored financing solutions that address the unique challenges of rural business operations, including broadband access and transportation logistics.
Q: How do Colorado SBA lenders help businesses affected by wildfires and natural disasters?
A: Colorado businesses affected by wildfires, floods, and other disasters can access SBA Disaster Loans directly through the SBA. Additionally, many Colorado SBA lenders provide complementary assistance through bridge loans and modified payment terms during recovery periods. The state’s experience with natural disasters has led several local lenders to develop specialized expertise in disaster recovery financing. These lenders often coordinate with the Colorado Office of Emergency Management and local economic development organizations to provide comprehensive recovery support, including specialized loan packages for rebuilding and business continuity during recovery periods.
Q: Can cannabis-adjacent businesses in Colorado access SBA loans?
A: While direct marijuana businesses cannot access SBA loans due to federal prohibition, Colorado SBA lenders have developed expertise in working with ancillary businesses that support the cannabis industry without touching the plant. These include equipment manufacturers, software providers, security services, and professional service firms. These lenders understand how to evaluate businesses with significant cannabis industry exposure while maintaining compliance with SBA requirements. Some Colorado lenders have developed specialized risk assessment frameworks for these businesses, helping them access capital while navigating the complex regulatory environment at the intersection of state legalization and federal prohibition.
Q: How do Colorado SBA lenders support businesses in the technology and innovation sector?
A: Colorado’s growing technology ecosystem has influenced local SBA lending practices. Several Colorado lenders have dedicated innovation banking divisions that understand the unique needs of software, aerospace, bioscience, and clean technology companies. These lenders often coordinate with organizations like Techstars, Catalyst HTI, and the Colorado Technology Association to provide complementary financing as companies mature beyond equity rounds. Some Colorado SBA lenders have developed expertise in financing innovative business models and intellectual property-based businesses, offering specialized packages that accommodate the growth patterns typical of technology companies.
Q: Are there specialized SBA loan programs for Colorado’s breweries, distilleries, and food manufacturers?
A: Yes, Colorado’s craft beverage and specialty food sectors benefit from specialized lending expertise. Several Colorado SBA lenders offer industry-specific loan packages designed for the unique equipment, inventory, and facility needs of craft producers. The SBA 504 program is particularly popular for production facilities, with some Colorado lenders providing specialized terms for sustainability features increasingly common in craft production. These lenders often coordinate with the Colorado Brewers Guild, Colorado Distillers Guild, and Naturally Boulder to provide comprehensive support for craft producers, including specialized technical assistance alongside SBA financing.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.