The Colorado Startup Loan Fund2.0 helps eligible entrepreneurs access financing and hands-on business support during the early stages of their business. The program is designed for newer businesses that may face barriers to obtaining traditional financing.

You may qualify if your small business:

• Is a for-profit business operating in Colorado
• Has been generating revenue for fewer than 24 months
• Has no more than 25 full-time employees and no more than $2 million in annual revenue
• Is unable to secure financing through traditional lenders

CEDS Finance uses character-based underwriting and considers each applicant individually. Financing is available through CEDS Finance’s approved loan products. Completion of required pre- and post-loan technical assistance is a condition of program participation.

CEDS Finance Products (all can be structured as an interest-based loan or a murabaha): 

• Spark Loans (up to $15,000): Character-based, collateral-free financing for new or emerging entrepreneurs.
• Elevate Loans (up to $50,000): Collateral-free (except for vehicles) with no minimum credit score, ensuring broad access to capital for borrowers with limited or subprime credit histories.
• Amplify Loans (up to $100,000): Tailored for more established businesses seeking to grow or stabilize 

Learn more about our products and services here 

Submitting an inquiry does not guarantee approval. A CEDS Finance Investment Officer will help determine your eligibility and discuss the financing options available to you.

Borrowers who complete required pre-loan technical assistance may qualify for preferred interest rates.

The Colorado Startup Loan Fund2.0 loans and technical assistance offered by CEDS Finance are supported by the Colorado Office of Economic Development and International Trade and the State of Colorado. 

You can also learn more about CEDS Finance, the process, and see frequently asked questions (FAQ) on our Financing Page.