# Small business loans in Highlands Ranch, CO

**Short answer:** The Huntington National Bank made the most SBA loans in Highlands Ranch, CO since FY2024, with 12. The median loan was $115,000, and half fell between $60,000 and $500,000. For free help, see the Colorado SBDC Network. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/colorado-small-business-loans/highlands-ranch/
Data as of: 2026-06-30

## Lenders making SBA loans in Highlands Ranch

No lender made more than 24% of the loans in Highlands Ranch, and The Huntington National Bank made the most.

**Lenders with five or more SBA loans in Highlands Ranch, CO, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/colorado/) | 12 | 24.5% |

Share is the percent of all Highlands Ranch loans in that period. Each name links to that lender's page for Colorado where one exists.

Highlands Ranch 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.

## Local help near Highlands Ranch

Highlands Ranch borrowers can start with SBA's district office for Colorado, an SBDC or SCORE.

55% of Highlands Ranch borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

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](https://www.sba.gov/district/colorado)
- [Colorado SBDC Network: Small Business Development Center](https://sbdc.colorado.gov/)
- [SCORE mentors in Colorado: Business mentoring](https://www.score.org/co/)

Alongside SBA loans, Colorado runs two loan programs. The [Colorado page](https://www.sbaexpress.loans/colorado-small-business-loans/#loan-programs-in-colorado) describes each, and the official pages are linked here.

- [Cash Collateral Support](https://oedit.colorado.gov/cash-collateral-support)
- [CLIMBER Loan Fund](https://oedit.colorado.gov/climber-loans)

## Loan counts and sizes in Highlands Ranch

Highlands Ranch ranks 24th by loans since FY2024 among the 25 Colorado cities with 100 or more SBA loans since FY2020. Nationally it is the 535th busiest of the 580 cities that reach 100 loans.

The 49 loans, 1.1% of the 4,448 in Colorado, were approved for $16.7 million in all. The median loan was $115,000, 23% below the national median of $150,300. Half of the loans fell between $60,000 and $500,000. The Highlands Ranch median is 49% below the Colorado median of $227,300.

**Highlands Ranch, CO compared with Colorado and the nation, loans from FY2024 to June 2026**

| Measure | Highlands Ranch | Colorado | U.S. |
| --- | --- | --- | --- |
| Loans | 49 | 4,448 | 162,355 |
| Median loan | $115,000 | $227,300 | $150,300 |
| 25th percentile | $60,000 | $77,500 | $50,000 |
| 75th percentile | $500,000 | $600,000 | $500,000 |
| Via SBA Express | 34.7% | 28.0% | 35.8% |
| Lines of credit | 28.6% | 23.2% | 28.1% |
| Startups | 30.6% | 17.8% | 16.1% |
| Ownership changes | 18.4% | 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.

34.7% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 28.6% of loans, close to the national 28.1%.

SBA loans in Highlands Ranch, CO by size, FY2024 to June 2026

- $50,000 or less (24%): 12
- $50,001 to $150,000 (31%): 15
- $150,001 to $350,000 (16%): 8
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000 (16%): 8
- $1,000,001 to $2,000,000: Fewer than 5
- Over $2,000,000: Fewer than 5

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 26.5% of loans went to businesses more than two years old and 24.5% to businesses two years old or younger. Startups received 30.6% and changes of ownership 18.4%. The national startup share is 16.1%.

SBA loans in Highlands Ranch, CO by fiscal year

- FY2020: 19
- FY2021: 12
- FY2022: 5
- FY2023: 20
- FY2024: 14
- FY2025: 26
- FY2026 (through June 30): 9

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume rose 86% from FY2024 (14 loans) to FY2025 (26), the two latest full years. The busiest full year in the file was FY2025, with 26 loans. FY2026 already shows 9 loans through June 30.

Of the 36 loans Highlands Ranch borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 313 jobs supported across the 49 loans since FY2024, about 6.4 per loan. SBA does not audit these estimates.

## What businesses in Highlands Ranch borrow for

All Other Personal Services was the largest borrower group in Highlands Ranch, with 5 loans or 10.2% of the total.

**Industries with the most SBA loans in Highlands Ranch, CO, FY2024 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [All Other Personal Services](https://www.sbaexpress.loans/industries/all-other-personal-services/) | 5 | 10.2% | 0.9% |
| [Fitness and Recreational Sports Centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/) | 5 | 10.2% | 2.1% |

Share is the percent of all Highlands Ranch 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 Highlands Ranch

The median Highlands Ranch loan was $115,000 with a median term of 10 years.

The median variable-rate loan in Highlands Ranch was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $115,000 over 10 years, principal and interest would come to about $1,504 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Highlands Ranch loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $60,000 | $785 |
| Median loan | $115,000 | $1,504 |
| 75th percentile loan | $500,000 | $6,539 |

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 $115,000 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).

Highlands Ranch 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 $125,000 loan](https://www.sbaexpress.loans/loan-amounts/125000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Highlands Ranch

The 504 file lists fewer than five loans in Highlands Ranch since FY2020.

That is too few to publish a count, a dollar total or a median for Highlands Ranch.

No Certified Development Company (CDC) is named on five or more 504 loans in Highlands Ranch, so the list below is Colorado's. B:Side Capital is named on the most there, 254 loans since FY2024.

**CDCs named on five or more 504 loans in Colorado, FY2024 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| B:Side Capital | 254 |
| Mountain West Small Business Finance | 101 |
| Pikes Peak Regional Development Corporation | 33 |
| Preferred Lending Partners | 23 |
| Community Economic Development Company of Colorado | 8 |

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 capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## Colorado cities near Highlands Ranch

Highlands Ranch made up 1.1% of Colorado's SBA loans since FY2024.

Highlands Ranch is one of 25 Colorado cities with 100 or more SBA loans since FY2020. The [Colorado page](https://www.sbaexpress.loans/colorado-small-business-loans/) covers all 4,448 loans in Colorado. The closest come first, ranked by county and ZIP code on their loans.

- [Parker: 120 loans, median $237,500](https://www.sbaexpress.loans/colorado-small-business-loans/parker/)
- [Castle Rock: 99 loans, median $219,700](https://www.sbaexpress.loans/colorado-small-business-loans/castle-rock/)
- [Littleton: 154 loans, median $222,500](https://www.sbaexpress.loans/colorado-small-business-loans/littleton/)
- [Centennial: 122 loans, median $350,500](https://www.sbaexpress.loans/colorado-small-business-loans/centennial/)
- [Greenwood Village: 52 loans, median $348,000](https://www.sbaexpress.loans/colorado-small-business-loans/greenwood-village/)
- [Englewood: 144 loans, median $200,000](https://www.sbaexpress.loans/colorado-small-business-loans/englewood/)
- [Denver: 742 loans, median $246,500](https://www.sbaexpress.loans/colorado-small-business-loans/denver/)
- [Wheat Ridge: 55 loans, median $300,000](https://www.sbaexpress.loans/colorado-small-business-loans/wheat-ridge/)

## Common questions about SBA loans in Highlands Ranch

### Which lenders make the most SBA loans in Highlands Ranch?

The Huntington National Bank leads with 12 loans in Highlands Ranch since FY2024. Only lenders with five or more Highlands Ranch loans are counted.

### Which industries get SBA loans in Highlands Ranch?

All Other Personal Services leads with 5 loans in Highlands Ranch since FY2024. Fitness and Recreational Sports Centers (5) 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](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Colorado District Office (Denver)](https://www.sba.gov/district/colorado)
- [Colorado SBDC Network](https://sbdc.colorado.gov/)
- [SCORE, Colorado](https://www.score.org/co/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)