At a glance
From its website, read 2 Nov 2026Community Enterprise Development Services is a loan fund based in Aurora, Colorado. Its website describes small-business loans. Stated loan amounts run from $100 to $100,000. Business loan rates stated on its site range from 10% to 14%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (303) 569-8165 source |
|---|---|
| info@cedsfinance.org source | |
| Website | www.cedsfinance.org |
| Office (official list) | 10660 E Colfax Ave Ste B, Aurora, CO 80010 |
What their website says about applying
If you are an entrepreneur interested in business financing, fill out the inquiry form below to connect with an Investment Officer.
sourceContact us to discuss your needs and our financing options.
sourceGet paired with an Investment Officer, submit a CEDS Finance application, and return all required documents.
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 |
|---|---|---|---|
| Small-business loans | Rate: 10%–14% | Cost of Capital 10% – 14% | source |
| Small-business loans | Term: up to 10 yr | Up to 10 year terms. | 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
No minimum credit score
source - Collateral required
Collateral required above $50,000
source - Collateral flexible or not always required
No collateral or owner’s equity required.
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) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 10660 E Colfax Ave Ste B, Aurora, CO 80010 Directions (Google Maps) |
| Website | www.cedsfinance.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. Murabaha Islamic financing is offered under the small-business key; no online application link is stated on the pages. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | $100 – $100,000 | CEDS Finance provides financing between $100 and $100,000. | source |
Loan sizes
CEDS Finance provides financing between $100 and $100,000.
sourceSPARK now has a maximum loan amount of $15,000 and a streamlined underwriting and closing process.
sourceFinancing Amount: Up to $100,000
source
Range used for the size filter: $100 to $100,000
Service area
Not stated on the pages we read.
Borrower focus
- Immigrants
CEDS Finance provides financing to low-income, Muslim, BIPOC, refugee and immigrant business owners in Colorado
source - Low- and moderate-income / underserved
CEDS Finance provides financing to low-income, Muslim, BIPOC, refugee and immigrant business owners in Colorado
source - Minority / BIPOC
CEDS Finance provides financing to low-income, Muslim, BIPOC, refugee and immigrant business owners in Colorado
source - Startups
Available to startups and existing businesses
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.cedsfinance.org/
- https://www.cedsfinance.org/financial-products/small-business-debt-consolidation/
- https://www.cedsfinance.org/about-us-business-loans/
- https://www.cedsfinance.org/partners/
- https://www.cedsfinance.org/financial-products/
- https://www.cedsfinance.org/financial-products/loans/
- https://www.cedsfinance.org/financial-products/murabaha/
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. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - 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$2.8 million in 7 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $484,000 |
| 2022 | CDFI Equitable Recovery Program | $955,179 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Financial Assistance | $275,000 |
| 2018 | CDFI Program, Financial Assistance | $400,000 |
| 2017 | CDFI Program, Financial Assistance | $382,000 |
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 | $11.4M |
|---|---|
| Total liabilities | $7.1M |
| Net assets | $4.3M |
| Total revenue | $2.6M |
| Notes and loans receivable, net (Part X line 7) | $2.5M |
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 45-3064996, filed as “COMMUNITY ENTERPRISE DEVELOPMENT SERVICES”), 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) | $7.8M | $3.3M | $2.4M | $1.3M |
| Sep 2022 (990) | $7.8M | $4M | $2M | $1.5M |
| Sep 2023 (990) | $11.4M | $4.3M | $2.6M | $2.5M |
Total assets grew 47% from Sep 2021 to Sep 2023; notes and loans receivable rose 96%. 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 |
|---|---|---|
| Largest loan its website states | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $11.4M | Larger than 33% of the 9 other certified loan funds and venture funds in Colorado with a matched Form 990 (median $22.1M). |
| Business loan rate its website stated (2 Nov 2026) | 10.00% to 14.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 3 pts above 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 |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Colorado | 9 | larger than 33% |
“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.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 10.00%): Colorado Enterprise Fund, Inc. from 4.99% (6 mi, read 2 Nov 2026)
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. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Aurora and Colorado
- B:Side FundLoan fund · Denver, COCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Colorado Enterprise Fund, Inc.Loan fund · Denver, COChild-care facility financing, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Energize Colorado Inc.Loan fund · Boulder, COAgriculture / farm loans, Equipment loans, Small-business loansVerified
- First SouthWest Bancorporation, Inc.Bank holding company · Alamosa, COAgriculture / farm loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
- First Southwest BankBank or thrift · Durango, COAgriculture / farm loans, Credit-builder loans, Microloans, Personal / consumer loans…Verified
- Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loansVerified
Work at Community Enterprise Development Services? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.