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 specifically for underserved communities.

Funding for this loan program comes from a variety of sources including Colorado Lending Source, banks, foundations, private entities, investors, and government agencies. (Specifically, the U.S. Small Business Administration, U.S. Department of Agriculture, Office of Economic Development & International Trade, InBank, Guaranty Bank and Trust Company, Citywide Banks, Kenneth King Foundation, and the City of Fort Collins.)


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.

Are you a small business located in Fort Collins?
In partnership between Colorado Lending Source and the City of Fort Collins, the Fort Collins Main Street Loan Program has created a $1 million loan pool for businesses unable to get traditional financing.

Learn More Here


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: 4.75%


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.

The Kenneth King Foundation's investment in the Colorado Main Street loan program helps us achieve our mission of transforming individuals' lives with access to capital, tools, and know-how for growing their small business.

Janice Fritsch, Kenneth King Foundation

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 beth and if you've got a question about your current loan, I'm here to help!”

Contact Us

“Hi! I'm beth and if you've got a question about your current loan, I'm here to help!”

Contact Us