Summary of Our

Business Loan Products

Interest-Based Small Business Loans

  • Available to startups and existing businesses

  • $100,000 maximum

  • Only for businesses in the Denver metro area

  • Collateral required above $50,000

  • Owner’s contribution required above $5,000

  • Fixed Interest Rate

  • Flexible Terms

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Small Business Murabaha – Islamic Compliant Debt

  • A murabaha is an Islamic financing structure whereby no interest is charged; however, the borrower agrees to pay a fee in lieu of interest in addition to the principal.

  • Available to startups and existing businesses

  • $100,000 maximum

  • For businesses across the state of Colorado

  • Collateral required above $50,000

  • Owner’s contribution required above $15,000

  • Fixed Monthly Administrative Fee
  • Flexible terms

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Financial Products

CEDS Finance has three financial products that provide financing up to $100,000. All four products can be structured as either interest-based or Islamic-compliant.

Spark Product Logo - up to $5000

Spark – Up to $15,000

Elevate Product Logo - up to $20,000 no collateral

Elevate – Up to $50,000

Amplify Product Logo - up to $100,000

Amplify – Up to $100,000

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How It Works

#1

Identify what you need for your small business and how much it will cost.

#2

Contact us to discuss your needs and our financing options.

#3

Get paired with an Investment Officer, submit a CEDS Finance application, and return all required documents.

#4

Get approved and help your business grow!

Why CEDS?

What Makes Us Different?

CEDS Finance combines character-based underwriting with technical business assistance to launch, grow, and support your business.

  • Customized loans and repayment terms
  • No minimum credit score
  • Only lender in Colorado with Islamic-compliant financing
  • No application or pre-payment fees

FAQs

CEDS Finance will consider any sector except for adult entertainment, gambling, guns, cannabis, and illegal activities.

CEDS Finance cannot invest in or lend to non-profit organizations.

CEDS Finance conducts character-based underwriting, and as such, there is some flexibility in the lending criteria. Each applicant is considered individually as the business owner. Some sectors have more stringent criteria.

Start-up and existing businesses are eligible for CEDS Finance loans.

Our lending criteria is:

  • For-profit business
  • Business based in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Jefferson, Weld, of Morgan Counties in the state of Colorado. Exceptions apply for murabahas.
  • Business owners do not have to be US citizens.
  • Business owner(s) shall provide owner’s contribution above $5,000– or their own cash — into the business. Recent and related business purchases may be considered.
  • Business owner(s) shall pledge collateral of at least 50% of the value of the loan (such as business assets, personal vehicles, or other items of value).

CEDS Finance provides financing between $100 and $100,000.

Experience: Convey all related experience – either in your sector or in owning a business.

Planning: Business owners who have planned for their growth (timeline, future expenses, developed a marketing plan, business projections, full business plan, etc.) are often more prepared for financing. Additionally, business owners who have a proven revenue stream or a well thought-out business plan are better able to submit a strong application.

Owner’s Contribution: The more a borrower has personally invested into the business, the stronger the loan application.

Collateral: The higher the total value of all pledged collateral (business assets, personal vehicles, etc.), the stronger the loan application.

CEDS Finance’s work – the underwriting – only begins when the applicant has submitted all documents. Each applicant is assessed individually and possesses unique strengths and weaknesses. Applicants with complex businesses or who request a higher loan amount, for instance, typically take longer than smaller requests or simple business models.

There are many free and low-cost resources available to support you. We can provide personal, individualized referrals to many of these resources, and we offer one-on-one consulting sessions and trainings on key areas of business development.