FlatIrons Bank

This is a commercial bank offering SBA loan programs and financial services designed to support small business growth and development in the Boulder area and beyond.

It's recommended to schedule an appointment to ensure dedicated time with a lender, but walk-ins may be accommodated depending on availability.

FlatIrons Bank operates Monday through Friday from 9:00 am to 5:00 pm, excluding bank holidays. Confirm with FlatIrons Bank for appointment availability outside these hours.

There are no fees for visiting the bank; however, loan application and processing fees may apply depending on the services used.

This bank primarily serves residents and small business owners within its regional area, but eligibility depends on meeting specific lending criteria.

A minimum personal credit score of 640 is generally preferred, though approval depends on overall financial circumstances.

The underwriting process typically takes around 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and FlatIrons Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call FlatIrons Bank to confirm current weekend availability before you go.

FlatIrons Bank locations feature a customer parking garage. Contact FlatIrons Bank for exact directions and information about accessible parking.

This page is an independent directory listing for FlatIrons Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by FlatIrons Bank itself, which runs its own lending under its own ownership. If you work at FlatIrons Bank, you can claim this listing from this page to manage it.

The core details for FlatIrons Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with FlatIrons Bank before applying. If you represent FlatIrons Bank, claim this listing to keep its information up to date.

You can reach FlatIrons Bank by phone at (303) 530-4999 or online at flatirons.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with FlatIrons Bank before relying on them.

Based on its approved SBA loans, FlatIrons Bank most often finances businesses in restaurants & food service and food manufacturing & processing. This reflects FlatIrons Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with FlatIrons Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether FlatIrons Bank participates in SBA Express depends on its specific SBA lending authority. Contact FlatIrons Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. FlatIrons Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. FlatIrons Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FlatIrons Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask FlatIrons Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask FlatIrons Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with FlatIrons Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. FlatIrons Bank weighs this case by case under its own policy, so be upfront about your history and ask FlatIrons Bank how it evaluates prior bankruptcies.