At a glance
From its website, read 2 Nov 2026Energize Colorado Inc. is a loan fund based in Boulder, Colorado. Its website describes farm loans, equipment loans and small-business loans. Stated loan amounts run from $5,000 to $150,000. It says it considers borrowers with low or no credit history. 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 | energizecolorado.com |
| Office (official list) | 4845 Pearl East Cir Ste 118 PMB 76039, Boulder, CO 80301 |
What their website says about applying
Complete our brief interest form to provide us with more information on your business and current needs.
sourceyou’ll need to provide the most recent three months of bank statements, personal tax returns for up to two years, and business tax returns for the same period if available.
sourceExpress interest by completing our quick online interest form
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 |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Competitive interest rates between 6% and 8.5% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | Interest rates between 7% up to 9.2% | source |
| Loans (general) | Term: see their wording | 3 to 5 year terms | source |
| Agriculture / farm loans | Term: 3 yr–5 yr | 3-5 year repayment terms | source |
| Equipment loans | Term: 12 mo–5 yr | they generally range from 1 to 5 years | 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
- Business plan required
a detailed business plan, and any quotes related to equipment purchases are essential documents
source - Collateral flexible or not always required
No collateral required for smaller amounts
source - Low or damaged credit considered
approval easier even if your credit isn’t perfect or you lack other assets
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 | 4845 Pearl East Cir Ste 118 PMB 76039, Boulder, CO 80301 Directions (Google Maps) |
| Website | energizecolorado.com |
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: medium. Loan inquiries are currently limited to the PEAK Program, through which participants can apply for loans. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | $5,000 – $150,000 | Amounts from $5,000 to $150,000 | source |
| Equipment loans | $5,000 – $150,000 | Loans from $5,000 to $150,000 | source |
| Small-business loans | $5,000 – $150,000 | $5,000 to $150,000 | source |
Loan sizes
$5,000 to $150,000
sourceLoans from $5,000 to $150,000
sourcerestaurant business loans from $5,000 to $150,000 with competitive interest rates
source
Range used for the size filter: $5,000 to $150,000
Service area
Not stated on the pages we read.
Borrower focus
- Farmers / ranchers
to help Colorado farmers and ranchers access affordable financing
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete our quick online application
source
Pages read (7)
- https://energizecolorado.com/
- https://energizecolorado.com/loan/
- https://energizecolorado.com/loan-types-colorado/
- https://energizecolorado.com/farm-loans/
- https://energizecolorado.com/equipment-loans/
- https://energizecolorado.com/restaurant-loans-colorado/
- https://energizecolorado.com/manufacturing-business-loans/
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. - 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.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $11M |
|---|---|
| Total liabilities | $7.9M |
| Net assets | $3.1M |
| Total revenue | $651,492 |
| Notes and loans receivable, net (Part X line 7) | $10.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 85-1446446, filed as “ENERGIZE COLORADO 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $4.3M | $4.3M | $2.5M | — |
| Dec 2022 (990) | $3.6M | $3.6M | $399,971 | — |
| Dec 2023 (990) | $11M | $3.1M | $651,492 | $10.6M |
Total assets grew 158% from Dec 2021 to Dec 2023. 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 | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $11M | Larger than 22% of the 9 other certified loan funds and venture funds in Colorado with a matched Form 990 (median $22.1M). |
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 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Colorado | 9 | larger than 22% |
“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. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Boulder 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
- Community Enterprise Development ServicesLoan fund · Aurora, COSmall-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
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