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Customized loan options that fit your business.
Loans Overview


NEW PPP LOANS: Due to overwhelming demand, we are closing our PPP Loan applications on Friday, May 7th, at 5:00PM MDT.
PPP Forgiveness: For those who have a PPP loan THROUGH CEF, our forgiveness application will reopen on Monday, May 17th.

View Our PPP Page For More Info

Small Business Loans

Whether you've been turned down by a bank or are tired of the high-interest rates of payday or other loans, with our flexible terms & loan programs, we're sure to have one that fits your needs.

Our small business term loans, including SBA microloans, are customized for your small business.

  • 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

As small businesses have had to pivot to adjust to the new landscape that the coronavirus pandemic has created, we have pivoted our products to serve you during these times. We also have core specialized loan programs that are outlined below. Read more about the special rates and other incentives below.

Rebuild and Recover With Our COVID Specific Loans

Paycheck Protection Program Loans

Our PPP Loan applications are closed effective Friday, May 7th, at 5:00 PM MDT. 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

Core 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 - inquiry to learn more
Terms: Flexible

Get Started

Healthy 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

Transforming Safety

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

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 6-month interest-only period

Learn More


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 6-month interest-only period

  Learn More
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 bank statement from additional accounts
  • Balance information on any outstanding merchant cash advances
  • For renters, landlord name and contact information
  • Average monthly sales, itemized by cash and credit card
  • Monthly business expenditures
  • List of business assets and value (equipment, vehicles, computers, etc.)
  • 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.