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Program 10

SBA Financing in Colorado

SBA 7(a) and 504 financing for Colorado business owners.

SBA 7(a) and 504 financing from $350,000 into the $5,000,000 range, up to 90% financing and terms up to 25 years, for owner-occupied commercial real estate. Colorado gives an operating business a flat income tax and no franchise tax, and taxes the building at the non-residential rate. Business-purpose only, and every structure is set in underwriting.

SBA Financing in Colorado 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, answered.

What does Colorado tax my operating business at?
A flat 4.4% on corporate income, matching the flat 4.4% individual rate on federal taxable income, with temporary TABOR-triggered cuts in some years so the figure can move a few hundredths year to year. There is no franchise tax, no gross receipts tax, and no entity-level net worth tax on LLCs. A pass-through owner pays the flat individual rate, and a SALT-parity pass-through entity election exists. For a business buying its own building that is a straightforward picture, but the pass-through election mechanics and the Secretary of State filing obligations are worth pricing with a CPA who files Colorado returns rather than reading off a page.

Sources: taxfoundation.org, leg.colorado.gov

How is my owner-occupied building assessed in Colorado?
As non-residential property, assessed at 27% for tax year 2025, with most non-residential categories moving to 25% to 26% for 2026. That is the commercial classification, several times the residential rates of 7.05% against school mills and 6.25% against local government mills in 2025, and it also reaches business personal property, which is a line many first-time building owners miss. Your bill is actual value times assessment rate times the mill levy. Real property is revalued every odd-numbered year, notices of valuation are mailed by May 1, and CRS 39-5-122(2) sets the protest deadline at June 8. On a 25-year loan that reset happens a dozen times, so learn the protest process early.

Sources: bouldercounty.gov, colorado.public.law

What does a Colorado SBA closing cost in fees and recording?
Very little on the state side. CRS 39-13-102 charges a documentary fee of one cent per $100 of consideration, so a $1,200,000 building costs $120 (1,200,000 divided by 100 = 12,000, times $0.01 = $120). Colorado has no state real estate transfer tax beyond that fee, and TABOR bars new ones. Recording has been flat at $43 per document since July 1, 2025 under HB24-1269, page count irrelevant, which matters on an SBA file because 504 records two deeds of trust rather than one. Closing runs through a title company escrow desk rather than an attorney, and because Colorado title rates are filed by each underwriter rather than promulgated, premiums vary and are worth quoting more than once.

Sources: colorado.public.law, clerkandrecorder.elpasoco.com, colorado.ctic.com

What should a Colorado business budget for property insurance?
More than last year, and probably more than the seller paid. Colorado premium growth since 2020 is roughly 100.8%, the largest increase of any state, and the driver along the Front Range is hail rather than wildfire. A Division of Insurance analysis published in February 2026 attributes 26% to 54% of homeowners premium to hail depending on county, against about 1% for wildfire in Denver, and the hail exposure is regional rather than residential-only. The May 8, 2017 Denver metro hailstorm ran roughly $3.3 billion in 2025-adjusted damages. Expect roof age and hail deductible structure to shape the quote on your building, and get a bindable number before the loan is sized, not after.

Sources: cpr.org

Where in Colorado should my business buy?
Where your customers and your workforce are, which is not something a state page can answer. The statutory layer here, being the 27% non-residential assessment rate, the flat 4.4% income tax, the documentary fee, and the June 8 protest deadline, is identical everywhere in Colorado. Price per square foot and availability are not. Denver, Colorado Springs, and Fort Collins are three distinct commercial markets. For those conditions go to Denver SBA loans or Colorado Springs SBA loans.
How large a Colorado SBA loan can I get, and how much do I put down?
Loans run from $350,000 to $5,000,000 and up, with financing up to 90%. On a $1,500,000 Colorado building that is up to $1,350,000 financed and $150,000 from you (1,500,000 x 90% = 1,350,000), before closing costs. Terms run up to 25 years on owner-occupied commercial real estate, through 7(a) and 504. Subject to underwriting.
How long does an SBA loan take to close in Colorado?
30 to 90 days, which is the slowest product we offer and is driven by the SBA process rather than by anything Colorado does. The state side is quick: a title company escrow desk rather than attorney closings, and flat $43 per document recording. Start the file before you are under contract if the closing date is tight. 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
Compare

SBA Financing vs. other options

Comparison
SBA 7(a) vs Conventional Loan
See the comparison
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Other programs in Colorado

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 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 2026-08-12.

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