LAFAYETTE-LOUISVILLE DOWNTOWN REVITALIZATION (LLDR)
901 Main Street
Louisville, CO 80027
T(303)666-1895
Loans to businesses in downtown Lafayette. Highest priority is given to exterior renovation. Loans are not for capital or inventory purposes.

COLORADO ENTERPRISE FUND (CEF)
1888 Sherman St., #530
Denver, CO 80203
T(303)860-0242
F(303)860-0409
http://www.coloradoenterprisefund.org/
This non-profit, community development financial institution provides small business loans up to $25,000.00 to entrepreneurs who are unable to obtain financing from traditional sources. Boulder County qualifies for the county requirements. CEF targets new or expanding small businesses but liquor stores, bars, and certain other businesses are ineligible. Terms also exist on what the money may be used for.

COLORADO LENDING SOURCE (CLS)
Front Range Regional Economic Development Corporation,
dba Colorado Lending Source, LTD,
7000 N. Broadway, # 215
Denver, CO 80202
T(303)657-0010
F(303)657-0140
Contact Person: Ronald L. Reuss
This private, community-based, non-profit organization is a "Certified Development Company" for the SBA 504 Program. Funds long term, fixed rate loans for expanding businesses. Serves nine counties including Boulder County.

SMALL BUSINESS INVESTMENT COMPANIES (SBICs)
Small Business Investment Companies (SBICs), licensed and regulated by the SBA, are privately owned and managed investment firms that provide venture capital and start-up financing to small businesses. A full explanation of the SBIC Program is provided at http://www.sba.gov/INV/
On the Colorado District SBA Web site at http://www.sba.gov/localresources/district/co/index.html get a list of Small Business Investment Companies in Colorado.

CERTIFIED DEVELOPMENT COMPANY (CDC) Program/504 Program
The 504 Certified Development Company (CDC) Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. A Certified Development Company is a nonprofit corporation set up to contribute to the economic development of its community or region. CDCs work with the SBA and private-sector lenders to provide financing to small businesses. A 504 project typically includes a loan secured with a senior lien from a private-sector lender covering up to 50 percent of the project cost, a loan secured with a junior lien from the CDC (a 100 percent SBA-guaranteed debenture) covering up to 40 percent of the cost, and a contribution of at least 10 percent equity from the small business being helped. The program is designed to enable small businesses to create and retain jobs.
Get a list of Colorado Certified Development Companies on the Colorado District SBA Web site http://www.sba.gov/recoveryq/504/index.html.

CERTIFIED AND PREFERRED LENDERS
Certified lenders are those who have been heavily involved in regular SBA loan-guaranty processing and have met certain other criteria. They receive a partial delegation of authority and are given a three-day turnaround by the SBA on their applications (they may also use regular SBA loan processing).
Preferred lenders are chosen from among the SBA's best lenders and enjoy full delegation of lending authority in exchange for a lower rate of guaranty. This lending authority must be renewed at least every two years, and the SBA examines the lender's portfolio periodically.
The Colorado District SBA Web site at http://www.sba.gov/co/ provides a list of Colorado Certified or Preferred Lenders.

MICROLOAN DEMONSTRATION PROGRAM
The MicroLoan Program was developed to increase the availability of very small loans to prospective small business borrowers. Under this program, the SBA makes funds available to nonprofit intermediaries, who in turn make loans to eligible borrowers in amounts that range from under $100 to a maximum of $25,000. The average loan size is $10,000. See SBA The Facts About MicroLoans.
At the Colorado District SBA Web site, Approved MicroLoan Participants provides a list of Colorado MicroLoan Participants.
The MicroLoan Demonstration Program - May 2000, shows as the Participating Intermediary Lender serving Boulder County:
Colorado Enterprise Fund (See Colorado Enterprise Fund above.)
1888 Sherman St, Suite 530
Denver, CO 80201-2135
T(303)860-0242
F(303)860-0409

CAPLINES WORKING CAPITAL LOAN PROGRAM
CAPLines is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working-capital needs. A CAPLines loan can be for any dollar amount (except for the Small Asset-Based Line described below). There are five short-term working-capital loan programs for small businesses under the CAPLines umbrella:
Seasonal Line
These are advances against anticipated inventory and accounts receivable help during peak seasons when businesses experience seasonal sales fluctuations. May be revolving or non-evolving.
Contract Line
Finances the direct labor and material cost associated with performing assignable contract(s). May be revolving or non-revolving.
Builders Line
Finances direct labor and material costs for the small general contractor or builder constructing or renovating commercial or residential buildings. The building project serves as the collateral, and loans may be revolving or non-revolving.
Standard Asset-Based Line
This is an asset-based revolving line of credit for businesses unable to meet credit standards associated with long-term credit. It provides financing for cyclical growth, recurring and/or short-term needs. Repayment comes from converting short-term assets into cash, which is remitted to the lender. Businesses continually draw from this line of credit, based on existing assets, and repay as their cash cycle dictates. This line generally is used by businesses that provide credit to other businesses. Because these loans require continual servicing and monitoring of collateral, the lender may charge additional fees.
Small Asset-Based Line
This is an asset-based revolving line of credit of up to $200,000. It operates like a standard asset-based line except that some of the stricter servicing requirements are waived, providing the business can consistently show repayment ability from cash flow for the full amount.
See The Facts About CAPLines

SBA LOWDOC LOAN PROGRAM
Designed for quicker SBA turn around with an easier one-page application, The New SBA LowDoc Loan Program further streamlines the small business loan process. The maximum loan amount is $150,000. The SBA responds within 36 hours of receiving a complete application. The SBA guarantees up to 80 percent for loans up to $100,000, and up to 75 percent for loans over $100,000 up to $150,000.