At a glance
From its website, read 2 Nov 2026Rocky Mountain MicroFinance Institute is a loan fund based in Denver, Colorado. Its website describes microloans and small-business loans. Stated loan amounts run from $500 to $7,000. Where it lends: Denver Metro Area and statewide Colorado. Business loan rates stated on its site range from 0% to 5%. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.rmmfi.org |
|---|---|
| Office (official list) | PO Box 48138, Denver, CO 80204 |
What their website says about applying
Complete the Dream Survey to discover which programs and resources are right for you.
sourceSubmit the Entrepreneur Roadmap
sourceReview Your Entrepreneur Roadmap with RMMFI Staff
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 |
|---|---|---|---|
| Microloans | Rate: 0% | $500 Seed Loan at 0% interest available after program completion | source |
| Microloans | Rate: 5% | Launch Loan up to $3,500 at 5% interest available after program completion | 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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Jun 2016 |
| RSSD ID | — (none listed) |
| Address | PO Box 48138, Denver, CO 80204 |
| Website | www.rmmfi.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 6 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. Loans are tied to training programs and the pages do not describe a standalone loan application process. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | — | RMMFI provides microloans and grants designed to meet the unique needs of diverse entrepreneurs. | source |
| Small-business loans | up to $3,500 | Launch Loan up to $3,500 at 5% interest available after program completion | source |
Loan sizes
$500 Seed Loan at 0% interest available after program completion
sourceLaunch Loan up to $3,500 at 5% interest available after program completion
sourceThrive Loan up to $7,000 available within 6 months of program completion
source
Range used for the size filter: $500 to $7,000
Borrower focus
- Low- and moderate-income / underserved
RMMFI supports aspiring entrepreneurs and existing business owners who lack access to traditional business development services because of their income, identity, location, life experiences, or systemic barriers.
source
Languages
- Spanish
Spanish Speaking
source
Online application
No online application link found on the pages we read.
Pages read (6)
- https://rmmfi.org/
- https://rmmfi.org/business-programs/
- https://rmmfi.org/mentoring-microfinance-a-partnership/
- https://rmmfi.org/business-grants-and-forgiveable-loans/
- https://rmmfi.org/microfinance-solutions-for-underserved-communities/
- https://rmmfi.org/comprehensive-overview-of-microfinance-in-colorado/
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 need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - 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$1.1 million in 7 awards from the U.S. Treasury's CDFI Fund, 2010–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $227,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Technical Assistance | $125,000 |
| 2012 | CDFI Program, Financial Assistance | $85,000 |
| 2010 | CDFI Program, Technical Assistance | $91,867 |
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 | $3.8M |
|---|---|
| Total liabilities | $559,923 |
| Net assets | $3.3M |
| Total revenue | $2.8M |
| Notes and loans receivable, net (Part X line 7) | $296,085 |
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 26-3218152, filed as “ROCKY MOUNTAIN MICROFINANCE INSTITUTE”), 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) | $3.2M | $2.8M | $2.7M | $143,239 |
| Sep 2022 (990) | $4.4M | $3.9M | $3.5M | $204,896 |
| Sep 2023 (990) | $3.8M | $3.3M | $2.8M | $296,085 |
Total assets grew 18% from Sep 2021 to Sep 2023; notes and loans receivable rose 107%. 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 | $7,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 1% of these 184. |
| Total assets, latest IRS Form 990 | $3.8M | Larger than 0% 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) | 0.00% to 5.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 7 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 |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 1% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Colorado | 9 | larger than 0% |
“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. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
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
- Colorado Enterprise Fund, Inc.Loan fund · Denver, COChild-care facility financing, Microloans, 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
Work at Rocky Mountain MicroFinance Institute? Link to this page
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