Commercial Real Estate Loans in Colorado
Small-balance commercial debt that national banks routinely decline. We place retail strips, mixed-use buildings, office, light industrial, and 5+ unit multifamily with lenders who underwrite the deal rather than a box checklist.
Front Range multifamily and small-balance CRE with strong long-term fundamentals. Actively funding in Denver, Colorado Springs, Fort Collins and every county in Colorado.
- Loan amounts
- $250,000 – $10,000,000+
- Loan to value
- Up to 80% LTV
- Pricing
- Competitive rates
- Structure
- 5–25 year terms, fixed and floating
- Timeline
- Term sheets in 24–48 hours
- Credit
- 625+ FICO
- Unsecured option
- Business capital to $2M
Indicative program parameters — final pricing is confirmed in writing after underwriting reviews the property and the borrower.
Choose financing for your next step
- Which property financing should I consider in Colorado?
- DSCR financing focuses on rental income from investment property. Commercial real estate financing considers the property, income and proposed transaction. Bridge, renovation and construction financing address shorter-term projects with a defined repayment or refinance plan. These are business-purpose options, not owner-occupied home loans.
- What is the difference between purchase and cash-out refinancing?
- Purchase financing helps acquire an eligible property. Cash-out refinancing replaces an existing loan and may release equity after debt and transaction costs. Available cash depends on property value, current balances, income and the approved leverage—not just the equity estimate.
- What happens after I request financing?
- An advisor reviews your requested amount, purpose and supporting information, then explains program fit and the next documents needed. A quote or calculator result is not an approval or commitment to lend; final terms require underwriting.
Information to prepare
- Property address and purpose
Identify a purchase, refinance, renovation or construction request and the intended property use.
- Income or project information
Prepare leases, a rent roll or available operating information to explain property cash flow.
- Transaction and ownership details
Include the purchase contract or current mortgage information and entity documents where applicable. The final checklist is specific to your file.
Use the secure application when documents are requested. Do not include Social Security numbers or financial documents in a general contact message.
How commercial real estate loans work in Colorado
- 1
Send the property address, rent roll or lease, and your entity documents
- 2
We size the deal — up to 80% LTV, and stabilized assets typically need a 1.20 DSCR
- 3
Term sheet issued in 24–48 hours; we order appraisal, title, and environmental
- 4
Close in 14–21 days, commonly in your LLC or land trust
Send it Monday, see numbers Wednesday. Complete a file for a Colorado property and a term sheet typically lands within 24–48 hours. Unsecured business capital can fund within 24 hours once documents are received.
Colorado properties we finance
Retail and mixed-use
Strip centers, storefronts, and live/work buildings with a stabilized income stream.
Office and professional
Small office, medical, and professional buildings leased to credit or local tenants.
Industrial and flex
Warehouse, light manufacturing, and flex buildings positioned near distribution corridors.
5+ unit multifamily
Workforce housing and garden-style apartments financed on in-place or pro-forma income.
Small-balance commercial loans — roughly $250K to $10M — are the segment regional banks have pulled back from, which is exactly where private and debt-fund lenders now compete hardest on price.
Value-add and reposition deals usually run on bridge terms first, then refinance into permanent take-out debt once occupancy and income support the new numbers.
Borrowers who bring a rent roll, trailing operating statements, and a clear exit plan tend to see firm pricing on the first term sheet rather than the third.
Colorado markets we serve
We fund urban, suburban, and rural properties across Colorado — not just the metros. Our underwriters know what rent and cap rates actually look like in Denver and Colorado Springs, and in the smaller counties around them, which is why our pricing reflects your market instead of a national average.
- Local underwriting for CO deals — no generic national script.
- Competitive pricing with final terms confirmed in writing.
- One point of contact from application through funding.
- Entity, land trust, and LLC closings handled as standard.
Talk to a Colorado advisor
Size your commercial real estate loans scenario in minutes
Answer a few questions and your scenario goes straight to a Colorado underwriter — no phone tag, no external forms.
Start pre-qualificationTypical response: same business day
Colorado Commercial Real Estate Loans FAQ
Ready to run your Colorado scenario?
$250,000 – $10,000,000+ · Term sheets in 24–48 hours
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