You Can Make it Big by Starting Small.
We Can Help.

Has a bank or credit union turned you down? Are you looking for a loan but aren’t sure where to start? CEF has loans, aka capital, for just about any small business need.


    Whether you’re just starting out or growing your business, this loan will help you achieve your dream!

    • $1K – 50K
    • Fixed Rate
    • Up to 7 years
    • For working capital, equipment, inventory, property improvements, business purchase or commercial real estate.
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    Ready to take your business to the next level? Expand your talent base, inventory or market share by stepping it up!

    • $50K – 500K
    • Fixed Rate
    • Up to 10 years
    • For working capital, equipment, inventory, property improvements, business purchase or commercial real estate.
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    If your business supports any part of Colorado’s healthy foods system, from producing fresh food to selling it, this financing option is for you.

    • $1K – 500K
    • Special rates for retail grocery outlets serving lower income areas with limited access to healthy foods
    • Various terms and uses
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  • VALOR LOAN for Veterans

    If you served our country, let us serve you with this special loan program for honorably-discharged veterans and Gold Star families with their own businesses.

    • $1K – 500K
    • Discounted rates and fees
    • Up to 10 years with inital interest-only period of up to 6 months
    • For startups or existing businessess
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  • SBA Community Advantage LOAN

    Thinking long-term and need a loan with better rates and terms? Apply for this loan if you got turned down by a bank. Things are starting to look up!

    • $50K – 250K
    • Variable Rate
    • Up to 10 years for working capital or equipment; up to 25 years for real estate
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  • JUST IN TIME Line of Credit (LOC)

    Own a business needing extra credit to support variable working capital needs? Our LOC will help keep your business running smoothly year-round.

    • $15K – 100K
    • Fixed Rate
    • Up to 2 years
    • For seasonal cash flow, contracts and accounts receivable
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    To finance all or part of your loan request together with one of our preferred Colorado bank partners.

    • $1K – 500K
    • Fixed Rate
    • Up to 25 years or per bank partner terms
    • For working capital or equipment
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    Looking to purchase your first business property or upgrade to another? Use this loan to build long-term success in Colorado.

    • $50K – 500K
    • Fixed Rate
    • Up to 7 years
    • For new or existing properties located in Colorado
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Application Step-by-Step

Follow these three simple steps to make sure you’re qualified and have the information necessary to quickly and smoothly move through the application process.

Step One: Will I Qualify?

Not sure if a loan through CEF is the right fit for you? Answer these five pre-qualification questions to help you determine your next step.

View all of our qualifications

Step Two: Submit a Loan Inquiry Form

Our brief loan inquiry form has questions that will help us get to know you better and better understand your vision for your business. Once completed, someone from our lending team will get back to you within two business days. Please note, this is not a formal loan application, but simply a questionnaire to help us determine if you qualify.


Step Three: Know What to Expect

While our lending team reviews your loan inquiry form (step two), you can review a list of documents and information we’ll need to get you started. Our lending team will walk you through the rest of the process and answer any questions you have to ensure you are prepared and ready to Start, Thrive, and Grow.


  • 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