# Small business loans in Lakewood, CO

**Short answer:** The most active SBA lenders in Lakewood, CO since FY2024 are U.S. Bank (11 loans) and KeyBank (10). The median loan was $250,000, and half fell between $100,000 and $922,925. For free help, see the Colorado SBDC Network. Source: SBA 7(a) loan data.

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

## Lenders making SBA loans in Lakewood

No lender made more than 9% of the loans in Lakewood, and U.S. Bank made the most. The five largest lenders together made 36%.

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

| Lender | Loans | Share |
| --- | --- | --- |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 11 | 9.2% |
| [KeyBank](https://www.sbaexpress.loans/sba-express-lenders/keybank/colorado/) | 10 | 8.3% |
| [Hanmi Bank](https://www.sbaexpress.loans/sba-express-lenders/hanmi-bank/colorado/) | 8 | 6.7% |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/colorado/) | 8 | 6.7% |
| [BayFirst National Bank](https://www.sbaexpress.loans/sba-express-lenders/bayfirst-national-bank/) | 6 | 5.0% |

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

## Local help near Lakewood

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

29% of Lakewood 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 Lakewood

Lakewood ranks 9th by loans since FY2024 among the 25 Colorado cities with 100 or more SBA loans since FY2020. Nationally it is the 152nd busiest of the 580 cities that reach 100 loans.

The 120 loans, 2.7% of the 4,448 in Colorado, were approved for $85.6 million in all. The median loan was $250,000, 66% above the national median of $150,300. Half of the loans fell between $100,000 and $922,925. The Lakewood median is 10% above the Colorado median of $227,300.

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

| Measure | Lakewood | Colorado | U.S. |
| --- | --- | --- | --- |
| Loans | 120 | 4,448 | 162,355 |
| Median loan | $250,000 | $227,300 | $150,300 |
| 25th percentile | $100,000 | $77,500 | $50,000 |
| 75th percentile | $922,925 | $600,000 | $500,000 |
| Via SBA Express | 23.3% | 28.0% | 35.8% |
| Lines of credit | 17.5% | 23.2% | 28.1% |
| Startups | 14.2% | 17.8% | 16.1% |
| Ownership changes | 20.8% | 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.

23.3% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 17.5% of loans, below the national 28.1%.

SBA loans in Lakewood, CO by size, FY2024 to June 2026

- $50,000 or less (18%): 21
- $50,001 to $150,000 (26%): 31
- $150,001 to $350,000 (14%): 17
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000 (18%): 21
- $1,000,001 to $2,000,000 (11%): 13
- Over $2,000,000 (11%): 13

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

By business age, 50.0% of loans went to businesses more than two years old and 15.0% to businesses two years old or younger. Startups received 14.2% and changes of ownership 20.8%. The national startup share is 16.1%.

SBA loans in Lakewood, CO by fiscal year

- FY2020: 28
- FY2021: 32
- FY2022: 35
- FY2023: 33
- FY2024: 40
- FY2025: 52
- FY2026 (through June 30): 28

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

Volume rose 30% from FY2024 (40 loans) to FY2025 (52), the two latest full years. The busiest full year in the file was FY2025, with 52 loans. FY2026 already shows 28 loans through June 30.

Of the 95 loans Lakewood borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 908 jobs supported across the 120 loans since FY2024, about 7.6 per loan. SBA does not audit these estimates.

## What businesses in Lakewood borrow for

Beer, Wine, and Liquor Retailers was the largest borrower group in Lakewood, with 10 loans or 8.3% of the total.

Beer, Wine, and Liquor Retailers stands out: its 10 loans are 8.3% of Lakewood loans, against 0.9% nationally, 8.8 times its national share.

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

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Beer, Wine, and Liquor Retailers](https://www.sbaexpress.loans/industries/beer-wine-liquor-retailers/colorado/) | 10 | 8.3% | 0.9% |

Share is the percent of all Lakewood 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 Lakewood

The median Lakewood loan was $250,000 with a median term of 10 years.

The median variable-rate loan in Lakewood was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $250,000 over 10 years, principal and interest would come to about $3,269 a month. That is arithmetic on past loans, not a rate a lender is offering.

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

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $100,000 | $1,308 |
| Median loan | $250,000 | $3,269 |
| 75th percentile loan | $922,925 | $12,069 |

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 $250,000 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).

Lakewood 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 $250,000 loan](https://www.sbaexpress.loans/loan-amounts/250000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Lakewood

Lakewood has 7 SBA 504 loans since FY2024, with $7.3 million in SBA and CDC dollars.

The median 504 loan in Lakewood was $560,000 in SBA and CDC dollars, 11% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.

B:Side Capital is the one Certified Development Company (CDC) named on five or more loans, 21 since FY2020.

**CDCs named on five or more 504 loans in Lakewood, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| B:Side Capital | 21 |

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 Lakewood

Lakewood made up 2.7% of Colorado's SBA loans since FY2024.

Lakewood 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.

- [Littleton: 154 loans, median $222,500](https://www.sbaexpress.loans/colorado-small-business-loans/littleton/)
- [Golden: 52 loans, median $251,750](https://www.sbaexpress.loans/colorado-small-business-loans/golden/)
- [Wheat Ridge: 55 loans, median $300,000](https://www.sbaexpress.loans/colorado-small-business-loans/wheat-ridge/)
- [Arvada: 103 loans, median $150,000](https://www.sbaexpress.loans/colorado-small-business-loans/arvada/)
- [Thornton: 61 loans, median $150,000](https://www.sbaexpress.loans/colorado-small-business-loans/thornton/)
- [Denver: 742 loans, median $246,500](https://www.sbaexpress.loans/colorado-small-business-loans/denver/)
- [Boulder: 132 loans, median $160,000](https://www.sbaexpress.loans/colorado-small-business-loans/boulder/)
- [Parker: 120 loans, median $237,500](https://www.sbaexpress.loans/colorado-small-business-loans/parker/)

## Common questions about SBA loans in Lakewood

### Which lenders make the most SBA loans in Lakewood?

U.S. Bank leads with 11 loans in Lakewood since FY2024. KeyBank (10) and Hanmi Bank (8) follow. Only lenders with five or more Lakewood loans are counted.

### Which industries get SBA loans in Lakewood?

Beer, Wine, and Liquor Retailers leads with 10 loans in Lakewood since FY2024.

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)