Colorado’s commercial real estate market has been one of the nation’s strongest performers for the past decade. Denver’s population and job growth continue to drive multifamily, office, and retail demand, while mountain resort towns like Aspen, Vail, and Breckenridge create unique hospitality and short-term rental lending opportunities. The Front Range corridor from Fort Collins to Pueblo offers consistent industrial and logistics demand.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Colorado and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Colorado typically close in 5–15 business days.
Commercial Loan Programs Available in Colorado
We offer every major commercial loan program in Colorado, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Colorado.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Colorado.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Colorado.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Colorado.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Colorado markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Colorado.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Colorado.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Colorado
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Colorado Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Colorado |
Cities We Serve in Colorado
We lend on commercial properties throughout Colorado, including Denver, Colorado Springs, Aurora, Fort Collins, Boulder. If the property is in Colorado — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Colorado Borrowers Choose Us Over Local Banks
Local banks in Colorado are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Colorado commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Colorado
Do I need a Colorado business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Colorado.
How fast can you close a commercial loan in Colorado?
Most Colorado commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Are Most Used in Colorado?
DSCR loans are extremely popular in Colorado among rental property investors, particularly in Denver, Fort Collins, and the resort markets. Hard money loans are used frequently for value-add apartment deals and fix-and-flip commercial properties along the Front Range. Bridge loans are common for developers assembling parcels in fast-moving markets.
What is the minimum loan amount for commercial loans in Colorado?
Our minimum loan amount is $150,000 for commercial properties in Colorado. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Colorado? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Colorado
We lend in every market in Colorado. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Denver, Colorado
Denver is one of the nation’s top commercial real estate markets, with strong demand across multifamily, industrial, and office sectors. The city’s diverse economy — tech, energy, healthcare, and government — provides resilient fundamentals. Hard money and bridge loans are popular in Denver’s competitive acquisition environment.
Commercial Loans in Colorado Springs, Colorado
Colorado Springs is Colorado’s second-largest market, anchored by a major military presence and a growing tech sector. The defense and aerospace industry drives office and industrial demand, while a rapidly growing population creates consistent multifamily opportunities.
Commercial Loans in Aurora, Colorado
Aurora is one of Chicago’s largest suburbs and a major logistics hub along the I-88 corridor. Industrial and warehouse demand is consistently strong, and affordable multifamily prices attract investors from the higher-cost city market. DSCR loans are popular for Aurora’s income-property investor community.
Commercial Loans in Fort Collins, Colorado
Fort Collins is anchored by Colorado State University and a growing craft beverage and tech industry. Multifamily demand is consistently strong given the university population, and retail along the College Avenue corridor sees stable occupancy. Bridge loans are common for value-add acquisitions near campus.
Commercial Loans in Boulder, Colorado
Boulder commands some of the highest commercial real estate prices in Colorado, driven by a world-class university, biotech cluster, and outdoor industry anchors. Retail and office space on Pearl Street are highly coveted. Stated income and bridge programs are popular given Boulder’s large entrepreneur population.