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Transforming Safety 
Loan Program

Low-barrier, low-rate loans, plus business coaching to make access to capital more attainable for Black-Owned businesses - Because access to capital shouldn't stand in the way of your small business dream.

Transforming Safety

Funding For Your Small Business

At CEF, we believe that accessing capital shouldn't stand in the way of your small business dream, yet according to a 2019 Federal Reserve report on business credit for minority-owned firms 61% of Black-Owned businesses are either denied or receive less funding than requested on their application compared to 38% of white-owned firms. 

Our goal is to help make access to capital more attainable for Black-Owned businesses through this low-barrier, low-rate loan designed specifically for Black-Owned small businesses.

Transforming Safety Loan Details

Loans: $1,000 up to $50,000 for              existing and startup businesses
Terms: 60-months with 6-month             interest-only period
Discounted Rates: 2.99% max
Flexible Underwriting
Access to Free Business Advising
Get Started

Struggling to get funding through traditional sources?
Tired of high-interest credit cards?

Contact us today to get started with a Loan Officer who will work with you to understand your needs and build a loan that works for your small business.

Get Started!
Hear more about the heart and start of the Transforming Safety Program.

This video, by our friends at Daily Dose 719, explores the history of the criminal justice system in Southeast Colorado Springs contributed to the prominence of  and what is being done now to help address these deeply seeded issues from a community lens.


"I have three little girls. Thanks to CEF, the pressures of money for a small business owner like me are eased up and I get to be there for my little girls and my wife, too.”

Ryan Cobbins | Owner | Coffee at The Point | Read Their Story


Business Advising to Help You Succeed

With access to our Business Advisory team along your entire business journey, plus 24/7 access to our online library of business resources, this is more than just a loan. Get help with topics like:

  • Business Planning
  • Sales and Marketing
  • Finance and Accounting
  • Cashflow and Profitability
  • Creating a post-COVID creative reopening and marketing strategy 
  • And more!

Funding can take you so far... our business advising can help take you further. Our team is here to help ensure business survival and, ultimately, your success!

Meet One-on-One With a Business Advisor

Reduce small business risk and support long-term success through personalized, one-on-one business advising and training.

Connect With a Business Advisor
Access Our Online Business Resources 24/7

Free, downloadable workbooks, guides, and more for you and your small business via Initiate Prosperity. Sign up now to access the platform free for 30 days.

Access Our Online Resources

Thanks to Our Partners Who Helped Make This Possible