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 four simple steps to make sure you’re qualified and have the information necessary to apply before paying the application fee.

Step One: Will I Qualify?

Before you even begin the loan application process, please complete our 5 Pre-Qualification Questions to determine if a loan through CEF is the right fit for you.

Prospect Survey
View all of our qualifications

Step Two: What can I expect?

So you’re ready to start the application. Before jumping in here is a list of the information we’ll be gathering so you can make sure you have what you need to get started.

  • 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

Step Three: Be Prepared

Download our PDF worksheet and practice answering the loan application questions. Why? The online loan application is timed and cannot be saved. We highly recommend printing and completing this PDF worksheet to reference as you fill out the online application.

Application Instructions

Please read the instructions below before starting your online application for a small business loan. This information will help you submit your small business loan application successfully to us.

  • All fields must be filled out completely and accurately.
  • The application is only compatible with Internet Explorer.
  • If you have the Google Toolbar enabled, please disable it prior to beginning the application. The Google Toolbar is incompatible with our application.
  • Pay close attention to the formatting of phone numbers, SSN, dates, web address, etc. This information must be formatted exactly like the examples.
  • Please use actual financial figures from operations when available, not projections.
  • When setting up your password to complete the application it should consist of 8 characters or more and contain at least one capital and a character.
  • There is a ten minute time limit per page. After ten minutes the page will time out and you must restart the application.
  • If you have not completed your application within 30 days, it will automatically be deleted and you will need to create a new application.
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Step Four: Pay the Fee

Before filling out the application, you will be directed to our secure PayPal account to pay the $25 application fee. Once your payment is processed, you will receive an email with a link to the online application.

Please note that the application is hosted by a third party, so you will be redirected away from the CEF website.

Pay The Fee