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Program 10

SBA Financing in Colorado Springs

Colorado Springs commercial property, bought with SBA loans.

When a deal calls for long-term, government-backed financing, we place SBA 7(a) and 504 loans through relationships with more than 20 SBA lenders. We match your scenario to the right program and the best terms. Colorado Springs veterans and military retirees are a real base of owner-occupied buyers near Fort Carson and the Space Force installations. Business-purpose only, and every structure is set in underwriting.

SBA Financing in Colorado Springs, CO from USA Mortgage
7(a) & 504
programs
90%
financing
25-yr
terms
20+
SBA lenders

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

SBA loans offer low down payments and long amortizations for owner-occupied property and business acquisition. USA Mortgage arranges and places SBA financing through our network of partner lenders; we are not ourselves an SBA lender. We shop your file across that network so you get the strongest approval.

Who it's for
Owner-occupied commercial RE
Business acquisition
Real estate plus equipment
Partner or stock buyout
Typical terms
Loan amount$350K to $5M+
FinancingUp to 90%
TermUp to 25 years
RateMarket SBA rates
PropertyOwner-occupied CRE
Programs7(a) and 504
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

SBA Financing in Colorado Springs, answered.

What does the SBA borrower base look like in Colorado Springs?
Large, and concentrated around veterans and military retirees rather than one industry. Colorado's 5th Congressional District, which covers El Paso County, Colorado, counts 109,615 military veterans and retirees, plus 100,489 Army retirees and family members in the surrounding population, according to Fort Carson's own fact sheet. Franchise and service businesses built to serve that population and the installations' roughly 45,000 active-duty, Guard and Reserve service members are the classic SBA 7(a) profile here: veteran-owned trades, medical and dental practices, franchise locations, and professional services buying the building they operate from.
I'm buying a newer commercial building near the eastern growth corridor. Does that change my SBA underwriting?
It can, because a metro district levy sits on top of the base property tax stack, not instead of it. Colorado Springs metro districts finance a subdivision's infrastructure with bonds repaid through an extra mill levy, capped inside city limits at 30 mills for debt service plus 10 mills operating in residential districts, with a higher 50-mill debt cap for commercial districts. The eastern corridor, including the Banning Lewis Ranch area, is where new metro districts cluster. Pull the parcel's actual mill levy from the El Paso County, Colorado Treasurer before you underwrite occupancy costs on a 7(a) or 504 purchase there; do not use a county average.
How much do I need to put down on a Colorado Springs owner-occupied building?
As little as 10%. SBA structures finance up to 90%, so on a $1,200,000 Colorado Springs building that is up to $1,080,000 financed and $120,000 from you (1,200,000 x 90% = 1,080,000), amortized on a term up to 25 years at market SBA rates. Pull the parcel's actual mill levy into your occupancy cost before you sign, especially in the eastern corridor. Subject to underwriting.
Is there a minimum SBA loan size in Colorado Springs?
We place $350K to $5M and up. Below that floor an SBA placement rarely justifies the paperwork. The classic Colorado Springs file sits comfortably inside the band: a veteran-owned trade, a dental or medical practice, or a franchise location buying the building it already operates from. 7(a) and 504 both run through the same conversation. Subject to underwriting.
Can I use an SBA loan for a Colorado Springs rental property?
No. SBA financing is for owner-occupied commercial real estate. Your business has to occupy the building. If you want to hold Colorado Springs commercial property purely as an investment, that is a different conversation: a commercial bridge loan funds an acquisition or a repositioning, and residential rentals go through DSCR. Subject to underwriting.

More SBA Financing questions, answered on the program page

Resources

Guides for SBA Financing

SBA · 5 min read
SBA 7(a) vs 504: Which Is Right for Owner-Occupied Real Estate?
Read the guide
SBA · 5 min read
SBA 504 Loans for Owner-Occupied Commercial Real Estate
Read the guide
SBA · 4 min read
SBA Loan Down Payment, Rates, and Terms Explained
Read the guide
SBA · 5 min read
The $1M SBA Loan: What 7(a) and 504 Look Like at That Size
Read the guide
Browse all guides
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SBA Financing vs. other options

Comparison
SBA 7(a) vs Conventional Loan
See the comparison
More in Colorado Springs

Other programs in Colorado Springs

Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & perm
All Colorado Springs loan programs
About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.

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