Summary of Our
Business Loan Products

Small Business Murabahah – Islamic Compliant Debt
A Murabahah 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 principal.
Available to startups and existing businesses
$100,000 maximum
For businesses across the state of Colorado
Collateral required above $20,000
Owner’s equity required above $5,000
- Fixed Monthly Administrative Fee
Up to 10 year terms
Financial Products
CEDS Finance has four financial products that provide financing up to $100,000. All four products can be structured as either interest-based or Islamic-compliant.
How It Works
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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. CEDS Finance does not fund business acquisitions.
Our lending criteria is:
- For-profit business
- Business based in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas or Jefferson 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 equity — 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 $50,000. For debt larger than $50,000, we can work with partner Community Development Financial Institutions (CDFIs) to either co-finance or to refer the applicant.
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, 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 Equity: 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.
Once all the documents are submitted, CEDS Finance will likely ask more questions and may request more documents.
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.