Responsible and Affordable Capital
We provide direct lending to small businesses that need flexible, affordable capital to grow. 100% of the borrowers we help are underserved businesses who can't access traditional bank financing. Our unique process evaluates each business based on its leadership, model, and plans for the future, not just the bottom line.
Benefits
Accessible to business owners who don't qualify for traditional bank financing
Helps build business credit, creates opportunity for future financing
Low down-payment options with funding available for up to 75% to 90% of the total project costs
Long-term financing helps reduce your monthly payment, making loan payments more affordable
Direct Loan Programs
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Loan Amount:
$20,000-$150,000 (Colorado)
$20,000-$75,000 (New Mexico)
Eligible Uses: Working Capital, Debt Refinance, Inventory & Equipment, Business Acquisition
Interest Rate & Terms: Fixed up to 10.00%, 3-5 year terms
Collateral: Blanket UCC Lien on Business Assets
Borrower's Equity Requirement: 10% of loan amount
Fee: 4.0% of loan amount
Geographic Availability: Colorado, New Mexico
Business Type: For-profit businesses; In operation for over 6 months
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Loan Amount: $20,000-$100,000
Eligible Uses: Working Capital, Inventory & Equipment
Interest Rate & Terms: Fixed from 6.01-6.32%, 3-5 year terms
Collateral: Blanket UCC Lien on Business Assets
Borrower's Equity Requirement: 10% of loan request
Fee: 2.0% of loan amount
Geographic Availability: Colorado, New Mexico
Business Type: For-profit businesses; Business must have 1-year positive cash flow in the past 5 fiscal years
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Loan Amount: $20,000-$25,000
Eligible Uses: Working Capital
Interest Rate & Terms: Fixed at 8.00%, 3 year term
Collateral: None
Borrower's Equity Requirement: None
Fee: 7.5% of loan amount
Geographic Availability: Rural Colorado only
Business Type: For-profit businesses; In operation for over 6 months
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Loan Amount: $10,000
Eligible Uses: Working Capital
Interest Rate & Terms: Fixed at 8.00%, 3 year term
Collateral: None
Borrower's Equity Requirement: None
Fee: 7.5% of loan amount
Geographic Availability: Colorado, New Mexico
Business Type: For-profit businesses; In operation for over 6 months
How it Works
Step 1
Complete our eligibility check to see if we’re a good fit for your business needs.
Step 2
If you’re eligible, we’ll have you complete a more in-depth loan application. We’ll collect additional documents.
Step 3
Our board-appointed loan review committee reviews your loan request.
Step 4
If approved, we’ll work with you to collect additional documents to close and fund your loan.
Step 5
You become a part of our community and we will support you on your business journey with access to technical assistance and assist with any loan servicing needs.
Interested in learning more?
