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Customized loan options that fit your business.
Loans Overview
Small Business Loans

Turned down by a bank? Tired of the high-interest rates of payday or other loans?

With our flexible terms & loan programs, including SBA Microloans, we'll work with you to build a loan that fits your business needs.

  • Starting at $1,000, up to $1,000,000
    • Our average loan size is $37,000
  • Fixed Rate
  • Up to 10 years
  • For working capital, equipment, inventory, property improvements, business purchase, or commercial real estate.


Get Started With a Loan Inquiry Form

COVID Relief Products & Other Loan Programs

Special loan products specific to COVID to help your business recover and rebuild, plus our core loan programs, with special rates and other incentives outlined below.

Rebuild and Recover With Our COVID Specific Loans 

Paycheck Protection Program Loans

The PPP loan program closed on May 28, 2021. You can visit our PPP page for information on Forgiveness, FAQs, and more via the link below. 

Learn More

City and County COVID Relief Loans

In response to the economic impact of COVID-19, special rates and terms are available for small businesses through these loans.

Learn More

Specialized Loan Programs 

Special rates and other perks thanks to our many partnerships. Whatever your small business needs, we'll find a loan program that works for you.

For honorably discharged military veterans and their Gold Star Families.

Loans: Starting at $1,000
Rates: Discounted rates - inquire to learn more
Terms: Flexible

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Food Access

Have a business idea to help an area in need of food access? This is for you.

Loans: Starting at $1,000
Rates: Special rates for those serving low-income areas needing food access
Terms: Up to 2 years

Get Started


This loan aims to build up communities through the opportunity of small business ownership.

Loans: Starting at $1,000
Rates: 4.99%
Terms: Up to 5 years

Get Started

Loan Funds

These designated loans help to drive economic development within communities.

Loans: Starting at $1,000
Rates: Variable
Terms: Variable

Learn More

Black Business
Loan Fund

For Black-Owned businesses to help bridge the gap in access to capital.

Loans: $1,000 up to $50,000
Rates: Discounted at 2.99%
Terms: 60 months with up to 6-month interest-only period

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No social security number? Use your Individual Taxpayer Identification Number (ITIN) for this loan. 

Loans: $1,000 up to $25,000
Rates: Discounted at 2.99%
Terms: 60 months with up to 6-month interest-only period

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Our Step by Step Process

How it Works

Step 1
Call us or fill out a loan inquiry form to determine your eligibility. Then, a Lending Officer will work with you to understand your small business and put together a loan to suit your business needs.
Step 2
Submit your application and gather your documents. Our Loan Closing Specialists will work with you to ensure a seamless process. 
Step 3
Once approved,  you'll go to your loan closing with your Loan Closing Specialist. Then, you'll receive funding!
Step 4
Connect with our Business Acceleration Services team and receive one-on-one support from your business coach. This service is free of charge for all CEF customers.

Get Started with a Loan Inquiry Form

Here Are The Basics


We utilize basic lending principles when reviewing a small business loan application, but the difference is that we are more flexible than most lenders in how we apply these principles. 

Qualifying factors include the ability to repay the loan, how much experience you have in the industry, collateral to secure the loan, and a good payment history with other creditors. Once your application has been submitted for underwriting, we will consider these factors and others including the business industry climate, cash flow/profitability, and equity in the business. 

  • Tax ID and Business Structure (i.e. Corporation, LLC)
  • Current business and personal bank statement(s) from additional accounts
  • Balance sheet
  • Business lease (if applicable)
  • Profit and loss statement
  • Debt information (credit card, additional loans, etc.)
  • Personal income and expense information
  • If applicable, personal income and expense information for a co-borrower

The speed of the application process and getting approved depends largely on how quickly you submit your paperwork for review. Typically, it takes 3-7 business days for underwriting and, once approved, 2-3 weeks to get your closing scheduled.

Absolutely not! We have many bank and credit union partners across the state, and encourage applicants to explore loan options with them first, but applicants do not have to be rejected by a financial institution in Colorado to qualify for a loan from CEF.