Small Business Landing Page



Small Businesses

Do You Qualify?

Step 1: Establish if you meet program qualifications.

  • Your business is:
    • A for-profit corporation, partnership, or association incorporated in Colorado,
    • Filed with the Colorado Secretary of State as a foreign entity authorized in Colorado,
    • A nonprofit entity incorporated in Colorado, or
    • A sole proprietorship owned by a Colorado resident with primary operations in Colorado
  • You have more than 51% of your employees based in Colorado.
  • You have between 5-99 employees (can include part-time and contract workers).
    • Part-time employees and contract employees count toward 5-employee minimum
    • Part-time employees can be aggregated as FTEs to stay within 99-employee maximum
  • Your business had a 2-year positive income prior to the pandemic.
  • Your business generated enough income to cover its debts prior to the pandemic.

Step 2: Determine if you need help with paperwork or financials.

Are you ready? This checklist will show you recommended materials to have ready before applying with a lender.

Step 3: Meet with a Participating Lender to apply.

Lenders are ready to assist you if you have your documents and financials in order.

Program Details

  • $30k to $500k loans available for working capital
  • Below-market interest rates
  • Payment deferrals for up to 1 year
  • Maturities of up to 5 years
  • Refinancing options available


Borrower Scenarios

A ski shop had a line of credit of $100,000. Its loan agreement requires at least 60 days being paid off over the course of a year. Because the shop lost the end of the season and might have a slow start the next season, they might need a $50,000 term loan to cover cash flow losses and ensure they have their normal line of credit available for the new season.

A previously profitable tourist-related business has suffered financial losses under the COVID shutdowns but is preparing to restart its business. Working capital is required to purchase new inventory to prepare for the reopening. A lender using CLIMBER could provide a loan to the business and receive a 15% cash reserve to strengthen the loan.

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