At a glance
From its website, read 2 Nov 2026Colorado Enterprise Fund, Inc. is a loan fund based in Denver, Colorado. Its website describes child-care facility loans, microloans, SBA-backed loans and 1 other loan type. Stated loan amounts run from $10,000 to $1M. Business loan rates stated on its site range from 3.99% to 7.99%. It says it considers borrowers with low or no credit history. It accepts an ITIN. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | coloradoenterprisefund.org |
| Office (official list) | 1888 Sherman Street, Suite 530, Denver, CO 80203 |
What their website says about applying
Must have proof of proper license to run childcare facility from
sourceComplete applications will require applicants to provide their business license number and federal EIN, tax ID number, or Individual Taxpayer Identification Number, as well as a modest amount of financial and other business information.
sourcePrompt submission of financial statements, tax returns, business plans, and other required materials can help keep the process moving forward and avoid delays.
sourceSee if you are loan-ready by completing our loan readiness quiz below.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Child-care facility financing | Rate: 3.99% | Fixed Rate at 3.99% on loans up to $350K. | source |
| Child-care facility financing | Rate: up to 7.99% | Fixed Rate up to 7.99% on loans up to $1 million and used for a business acquisition or commercial real estate purchase. | source |
| Small-business loans | Rate: 4.99% | Special Rate of 4.99%. on loans $10K up to to $350k | source |
| Small-business loans | Term: up to 10 yr | Terms vary based on use and amount, but can be up to 120 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
We can usually work with borrowers who have:
source - Collateral flexible or not always required
Limited Collateral
source - ITIN accepted
Complete applications will require applicants to provide their business license number and federal EIN, tax ID number, or Individual Taxpayer Identification Number
source - Business plan required
Childcare Business Plan Template (required at application)
source - Training or counseling required
Borrower must meet with a Business Navigator prior to loan closing.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 1888 Sherman Street, Suite 530, Denver, CO 80203 Directions (Google Maps) |
| Website | coloradoenterprisefund.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. BUILD Denver loans apply only to Denver businesses and the VALOR program is for veterans; the page does not state a separate microloan amount. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Child-care facility financing | $10,000 – $1M | Loans from $10K - $1M | source |
| Microloans | — | Certified SBA 7(a) & Microloan Lender | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Certified SBA 7(a) & Microloan Lender | source |
| Small-business loans | $10,000 – $1M | $10k to $1,000,000 | source |
Loan sizes
$10k to $1,000,000
sourceLoans from $10K - $1M
sourceSpecial Rate of 4.99%. on loans $10K up to to $350k
sourceLow-barrier, low-rate small business loans up to $500K
source
Range used for the size filter: $10,000 to $1M
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://coloradoenterprisefund.org/
- https://coloradoenterprisefund.org/Childcare-Loan-Program
- https://coloradoenterprisefund.org/BUILD-Denver-Loan-Fund
- https://coloradoenterprisefund.org/Loans
- https://coloradoenterprisefund.org/VALOR-Loan-Program
- https://coloradoenterprisefund.org/Get-Started
- https://coloradoenterprisefund.org/small-business-grants
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$21.7 million in 21 awards from the U.S. Treasury's CDFI Fund, 1997–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,250,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
| 2021 | CDFI Program, Financial Assistance | $525,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Healthy Food Financing Initiative, Financial Assistance | $1,500,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2020 | Healthy Food Financing Initiative, Financial Assistance | $900,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2016 | CDFI Program, Financial Assistance | $1,750,000 |
| 2016 | Healthy Food Financing Initiative, Financial Assistance | $650,000 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $750,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2008 | CDFI Program, Financial Assistance | $1,100,000 |
| 2002 | CDFI Program, Financial Assistance | $300,000 |
| 1999 | CDFI Program, Financial Assistance | $500,000 |
| 1998 | CDFI Program, Technical Assistance | $50,000 |
| 1997 | CDFI Program, Financial Assistance | $275,000 |
New Markets Tax Credit allocations
$295 million in 6 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $85,000,000 |
| 2023 | New Markets Tax Credit allocation | $60,000,000 |
| 2022 | New Markets Tax Credit allocation | $60,000,000 |
| 2021 | New Markets Tax Credit allocation | $45,000,000 |
| 2020 | New Markets Tax Credit allocation | $25,000,000 |
| 2019 | New Markets Tax Credit allocation | $20,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $70.1M |
|---|---|
| Total liabilities | $35.7M |
| Net assets | $34.4M |
| Total revenue | $18.3M |
| Notes and loans receivable, net (Part X line 7) | $30.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 84-0837398, filed as “COLORADO ENTERPRISE FUND INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $82.5M | $20.2M | $21.3M | $47.5M |
| Sep 2022 (990) | $67.4M | $26.9M | $16.9M | $29.1M |
| Sep 2023 (990) | $70.1M | $34.4M | $18.3M | $30.4M |
Total assets fell 15% from Sep 2021 to Sep 2023; notes and loans receivable fell 36%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $150,000 (111 loans) | All 7(a) lenders in Colorado: $294,000. Larger than the median loan of 42% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 45 → 63 | Rank among the 3 certified CDFIs in Colorado with SBA approvals in either period: 1 → 1. |
| Largest loan its website states | $1M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 72% of these 184. |
| Total assets, latest IRS Form 990 | $70.1M | Larger than 67% of the 9 other certified loan funds and venture funds in Colorado with a matched Form 990 (median $17.1M). |
| Business loan rate its website stated (2 Nov 2026) | 3.99% to 4.99% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 3.01 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 42% |
| SBA approvals then vs now | certified CDFIs in Colorado with SBA approvals FY2023–2026 | 2 | rank 1 → 1 of 3 |
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 72% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Colorado | 9 | larger than 67% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 111 SBA-backed approvals for Colorado Enterprise Fund, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 111 7(a) loans as the lender: $19.2M in total (gross amount approved), median $150,000
By fiscal year: FY2020 0 · FY2021 2 · FY2022 1 · FY2023 7 · FY2024 38 · FY2025 44 · FY2026 19.
What actually happened
- Size of its 7(a) loans: half were between $110,000 and $206,500, median $150,000 (111 loans)
- Term of its 7(a) loans: median 120 months (10 years) (111 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.99%, half between 9.99% and 9.99% (63 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 100% of its 7(a) loans had a fixed rate (111 loans)
- Young businesses: 69% of its 7(a) loans went to a startup or a business two years old or less (111 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (101, 91%)
- 7(a) Community Advantage (10, 9%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (24)
- Manufacturing (14)
- Health care and social assistance (13)
- Construction (12)
- Professional, scientific, and technical services (11)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Denver County, CO (22)
- El Paso County, CO (15)
- Boulder County, CO (14)
- Adams County, CO (12)
- Jefferson County, CO (11)
- Arapahoe County, CO (11)
- Douglas County, CO (7)
- Larimer County, CO (6)
- Weld County, CO (4)
How this lender was matched in the SBA files: SBA lender ID 0188439: same name, state and city (SBA lists “Colorado Enterprise Fund”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Colorado Enterprise Fund, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Denver and Colorado
- B:Side FundLoan fund · Denver, COCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loansVerified
- Mercy Community CapitalLoan fund · Denver, COAffordable housing development loansVerified
- Native American Bancorporation, Co.Bank holding company · Denver, CO · Native CDFIOfficial list only
- Native American Bank, N.A.Bank or thrift · Denver, CO · Native CDFICommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Personal / consumer loans…Verified
- Rocky Mountain MicroFinance InstituteLoan fund · Denver, COMicroloans, Small-business loansVerified
Work at Colorado Enterprise Fund, Inc.? Link to this page
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