Colorado Enterprise Fund
Colorado Enterprise Fund is an active SBA lender in Colorado, a development company offering SBA-guaranteed small-business loans. Currently rated 4.3 stars across 82 Google reviews.
$22M
in SBA approvals since 2013
128
SBA loans funded
Restaurants & Food Service · Food Manufacturing & Processing · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Colorado Enterprise Fund
Colorado Enterprise Fund offers specialized SBA financing options tailored to small businesses seeking growth capital, working capital, or equipment loans. With a focus on supporting local entrepreneurs, it provides flexible lending solutions that cater to a variety of business needs. The fund emphasizes community development and economic growth within Colorado, making it an ideal partner for small business owners looking for reliable financial assistance. Their services include SBA 7(a) loans, which are designed to help businesses expand, purchase inventory, or refinance existing debt. The organization also offers microloans and other small business financing programs to foster local enterprise. Located in Denver, Colorado Enterprise Fund is committed to serving diverse industries, with a particular strength in retail, manufacturing, and service sectors. They aim to provide accessible funding options with competitive terms and personalized support to help small businesses succeed and thrive in their local markets.
Common questions about Colorado Enterprise Fund
What is this place and what can I find here?
This is the Colorado Enterprise Fund, a lender providing SBA loans, microloans, and small business financing to support local entrepreneurs and small businesses across Colorado.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure personalized service, but walk-in consultations may be available during business hours.
What are the hours of operation?
The office operates from 9:00 AM to 5:00 PM, Monday through Friday.
Is there a fee to use this?
There are no fees for consulting; however, standard loan interest rates and fees apply for approved financing.
Who is this open to — anyone, or only residents/members?
This service is open to small businesses and entrepreneurs within Colorado, regardless of residency, provided they meet the qualification criteria.
Can a non-bank entity provide financing if my personal credit score is below 640?
Yes — non-bank lenders like Colorado Enterprise Fund often work with borrowers whose personal credit falls below the 640 mark that many banks treat as a floor. They tend to weigh business cash flow, time in operation, and overall fit alongside your credit score. Approval and terms still depend on your full profile, so ask Colorado Enterprise Fund what minimum it looks for.
Is the loan application and validation pipeline fully digital with this provider?
Many non-bank lenders run a largely online process — application, document upload, and verification handled digitally, often with faster decisions than a traditional branch. Whether Colorado Enterprise Fund's pipeline is fully digital from start to finish depends on the provider. Check Colorado Enterprise Fund's website or ask their team how much of the process you can complete online.
Is this open on weekends?
Colorado Enterprise Fund is a non-bank lender, so there is usually no branch to visit and its team generally works standard weekday hours. Many non-bank lenders do let you start or continue an application online at any time, including weekends. Check Colorado Enterprise Fund's website or call to confirm when staff are actually available.
How do I get there and where do I park?
Colorado Enterprise Fund operates largely online and by phone as a non-bank lender, so most clients never need to travel to an office. If an in-person meeting is offered, Colorado Enterprise Fund will share the address and parking details when you schedule. Start by reaching out using the contact information on this page.
Who owns or operates this listing?
This page is an independent directory listing for Colorado Enterprise Fund, an SBA-participating non-bank lender (a development company or community fund). It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Colorado Enterprise Fund itself, which runs its own lending under its own ownership. If you work at Colorado Enterprise Fund, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Colorado Enterprise Fund — 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 Colorado Enterprise Fund before applying. If you represent Colorado Enterprise Fund, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Colorado Enterprise Fund by phone at (303) 860-0242 or online at coloradoenterprisefund.org — 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 Colorado Enterprise Fund before relying on them.
How do non-bank lender approval requirements differ from standard commercial institutions?
Non-bank lenders like Colorado Enterprise Fund usually place more weight on business revenue, cash flow, and time in business, and less on a high personal credit score or hard collateral than a traditional bank. That can mean faster approvals and more flexibility, sometimes at a higher cost. Ask Colorado Enterprise Fund what it requires and how its criteria compare for your situation.
Am I required to move my primary business checking account to this non-bank lender?
Generally no — non-bank lenders typically do not hold deposit accounts, so Colorado Enterprise Fund usually cannot and will not require you to move your business checking to them, and you keep your existing bank for day-to-day banking. A deposit-relationship requirement is far more common at traditional banks, but confirm the specifics with Colorado Enterprise Fund.
Do non-bank options favor asset-light tech fields or online retail brands?
Many non-bank and online lenders are comfortable with asset-light businesses — software, services, e-commerce, and online retail — because they underwrite on cash flow and revenue rather than physical collateral. That said, Colorado Enterprise Fund sets its own focus and may serve a broad mix of industries. Ask Colorado Enterprise Fund whether your field and business model fit what it typically funds.
What interest rate structures should I expect from a non-bank financing provider?
Non-bank financing can come as fixed or variable term loans, lines of credit, or revenue-based structures, and rates are often higher than a traditional SBA bank loan to reflect faster funding and looser criteria. The cost may be quoted as an APR or a factor rate. Ask Colorado Enterprise Fund for the full APR and total repayment amount so you can compare offers fairly.
Can I refinance high-cost merchant cash advances into a term loan with this lender?
Refinancing or consolidating expensive merchant cash advances into a lower-cost term loan is a common goal, and some non-bank lenders and SBA programs allow it when the numbers support it. Eligibility depends on your cash flow and the existing debt. Ask Colorado Enterprise Fund whether it refinances merchant cash advances and what it would take to qualify.
Do they allow seller notes to count toward the required borrower equity injection?
In many SBA-backed deals a seller note can count toward part of the borrower's required equity injection, often when it is placed on full standby for a set period. Whether Colorado Enterprise Fund permits this, and on what terms, depends on the lender and the SBA rules in play. Confirm with Colorado Enterprise Fund how it treats seller notes in your specific deal.
Do they offer international trade or export loan programs?
Some lenders take part in SBA export and trade programs such as the Export Working Capital Program or the International Trade Loan, which support businesses that sell abroad. Availability varies and not every non-bank lender offers them. If you export or plan to, ask Colorado Enterprise Fund whether it offers export or international trade financing.
What happens if the primary business asset valuation comes back lower than the contracted purchase price?
If an appraisal or valuation comes in below the agreed purchase price, the gap usually has to be covered — by renegotiating the price, the buyer adding more cash, or the seller carrying a larger note — because lenders generally lend against the lower of cost or appraised value. Ask Colorado Enterprise Fund how it handles a valuation shortfall before you commit.
