Small business loans in Commerce City, CO
Short answer
SouthState Bank made the most SBA loans in Commerce City, CO since FY2024, with 5. The median loan was $150,000, and half fell between $67,500 and $359,650. For free help, see the Colorado SBDC Network. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 39
- approved since FY2024
- $18M
- median loan
- $150,000
- through SBA Express
- 30.8%
Lenders making SBA loans in Commerce City
No lender made more than 13% of the loans in Commerce City, and SouthState Bank made the most.
| Lender | Loans | Share |
|---|---|---|
| SouthState Bank | 5 | 12.8% |
Share is the percent of all Commerce City loans in that period. Each name links to that lender's page for Colorado where one exists.
Commerce City has one lender with five or more loans since FY2024. Others had fewer, and the Colorado page counts 189 lenders with at least one approved loan statewide.
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Local help near Commerce City
Commerce City borrowers can start with SBA's district office for Colorado, an SBDC or SCORE.
SBA has one district office for Colorado. Its page points to state and federal resources and to lenders in the area. The Colorado SBDC Network gives free counseling across Colorado.
- SBA Colorado District Office (Denver)SBA district office
- Colorado SBDC NetworkSmall Business Development Center
- SCORE mentors in ColoradoBusiness mentoring
Alongside SBA loans, Colorado runs two loan programs. The Colorado page describes each, and the official pages are linked here.
Loan counts and sizes in Commerce City
Commerce City ranks 25th by loans since FY2024 among the 25 Colorado cities with 100 or more SBA loans since FY2020. Nationally it is the 569th busiest of the 580 cities that reach 100 loans.
The 39 loans, 0.9% of the 4,448 in Colorado, were approved for $18.0 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $150,000, close to the national median of $150,300. Half of the loans fell between $67,500 and $359,650. The Commerce City median is 34% below the Colorado median of $227,300.
| Measure | Commerce City | Colorado | U.S. |
|---|---|---|---|
| Loans | 39 | 4,448 | 162,355 |
| Median loan | $150,000 | $227,300 | $150,300 |
| 25th percentile | $67,500 | $77,500 | $50,000 |
| 75th percentile | $359,650 | $600,000 | $500,000 |
| Via SBA Express | 30.8% | 28.0% | 35.8% |
| Lines of credit | 30.8% | 23.2% | 28.1% |
| Startups | n/a | 17.8% | 16.1% |
| Ownership changes | n/a | 15.2% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 3.8% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
30.8% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 30.8% of loans, close to the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 27% from FY2024 (15 loans) to FY2025 (19), the two latest full years. The busiest full year in the file was FY2021, with 23 loans. FY2026 already shows 5 loans through June 30.
Of the 57 loans Commerce City borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 300 jobs supported across the 39 loans since FY2024, about 7.7 per loan. SBA does not audit these estimates.
What businesses in Commerce City borrow for
All Other Specialty Trade Contractors was the largest borrower group in Commerce City since FY2020, with 7 loans or 6.4% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| All Other Specialty Trade Contractors | 7 | 6.4% | 1.7% |
| Plumbing, Heating, and Air-Conditioning Contractors | 6 | 5.5% | 1.9% |
Share is the percent of all Commerce City loans in that period. Industry is the NAICS code on each loan. A name links to the Colorado page for that industry where one exists.
A typical loan payment in Commerce City
The median Commerce City loan was $150,000 with a median term of 10 years.
The median variable-rate loan in Commerce City was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $150,000 over 10 years, principal and interest would come to about $1,962 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $67,500 | $883 |
| Median loan | $150,000 | $1,962 |
| 75th percentile loan | $359,650 | $4,703 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $150,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Commerce City loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $150,000 loan and SBA Express payment calculator.
SBA 504 loans near Commerce City
Commerce City has 14 SBA 504 loans since FY2020, with $19.9 million in SBA and CDC dollars.
Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.
B:Side Capital is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 7 since FY2020.
| Certified Development Company | 504 loans |
|---|---|
| B:Side Capital | 7 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Colorado cities near Commerce City
Commerce City made up 0.9% of Colorado's SBA loans since FY2024.
Commerce City is one of 25 Colorado cities with 100 or more SBA loans since FY2020. The Colorado page covers all 4,448 loans in Colorado. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Commerce City
Which lenders make the most SBA loans in Commerce City?
SouthState Bank leads with 5 loans in Commerce City since FY2024. Only lenders with five or more Commerce City loans are counted.
Which industries get SBA loans in Commerce City?
All Other Specialty Trade Contractors leads with 7 loans in Commerce City since FY2020. Plumbing, Heating, and Air-Conditioning Contractors (6) follows.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Colorado District Office (Denver)
- Colorado SBDC Network
- SCORE, Colorado
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Commerce City, CO. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/colorado-small-business-loans/commerce-city/
Ask lending partners about a loan in Commerce City
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.