Creating jobs on Main Street, not Wall Street.

The Colorado Main Street loan program is is a character-based financing option available to small businesses who are unable to secure a conventional loan to start or grow their business. Loans range from $5,000 to $50,000 and can be used for a variety of business purposes.

Funding for this loan program comes from several sources including Colorado Lending Source, banks, foundations, private entities and government agencies (specifically the US Small Business Administration and the US Department of Agriculture).


Qualified borrowers can use Colorado Main Street loan funds for:

  • Start-up expenses
  • Working capital
  • Purchasing equipment, furniture, fixtures, inventory, vehicles (necessary to the operation of the business), leasehold improvements
  • Buying a business or franchise
  • Business debt refinancing


Can't get a bank loan? Find out if you are eligible to receive a Colorado Main Street loan by reviewing the criteria below.

  • The business must be located within Colorado
  • The business must be small
  • At least 51% of the business must be owned by a U.S. citizen or legal, permanent resident
  • Eligible business structures include sole proprietors, partnerships, LLC's, corporations, co-op's and employee-owned firms. Non-profit entities may also be considered if located within a rural community.


Interest rates:

The Colorado Main Street loan program utilizes several funding sources, as a result, the interest rate varies. If your business is located in a metropolitan Colorado county (Larimer, Weld, Boulder, Adams, Jefferson, Broomfield, Denver, Arapahoe, Douglas, El Paso or Pueblo) your interest rate will be fixed at 8.75%. If your business is located in any other Colorado county, your interest rate will be fixed at the Wall Street Journal Prime Rate + 2.00%. The maximum term of a Colorado Main Street loan is 8 years. 

Current Wall Street Journal Prime interest rate: 5.50%


There are no upfront fees associated with a Colorado Main Street loan. A 1.00% closing fee plus any direct, out-of-pocket filing / recording costs, will be collected from loan proceeds at the time the loan funds.

What a wonderful ambassador Mike and the whole organization is in support of small businesses here in Colorado. Proud to be partners!

Brian Burke, Community Reinvestment Fund

The Process

  1. Contact a lender; if they can’t help it’s possible we can.
  2. Send Colorado Lending Source your business plan, loan application & supporting documents. 
  3. If eligible, you will present to our Internal Loan Review Committee and answer questions about your business.   
  4. After your loan is approved, we will close and fund your loan.
  5. Colorado Lending Source services the loan for its lifetime.

Interested in learning more?

If you need help finding a banker to work with, check out the Small Business Administration website for a list of SBA lenders near you.


We're always here to help with any questions that you might have.

“Hi, I'm Lauren. Call me with questions about funding your business. ”

Contact Us

“Hi, I'm Lauren. Call me with questions about funding your business. ”

Contact Us