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    Affordable financing for
    Colorado small businesses

    Funding business dreams,
    revitalizing communities

    Connect with a Local Lender
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    Who we serve in Colorado

    Since 2008, DreamSpring has provided the funding and support that keeps Colorado small businesses at their peak. From the aerospace and tech hubs of Denver, Aurora, and Fort Collins to the manufacturing and independent ventures that define Colorado Springs, Pueblo, and Grand Junction, we provide affordable small business loans for growth — even if you’ve been overlooked by traditional banks. 

    Whether you’re launching a new startup along the Front Range, scaling a business on the Western Slope, or bringing a fresh idea to the San Luis Valley, we're ready to help with practical financial tools. Our mission is to increase access to Colorado small business loans and resources, so that every entrepreneur in the Centennial State has the opportunity to summit their goals. 

    Micro and Small Businesses
    Startup Businesses
    Nonprofit Organizations
    Solo Entrepreneurs

    Serving Colorado's unique needs

    Many Colorado entrepreneurs struggle to find affordable financing, especially for small businesses in startup or growth modes.
    Challenge in Colorado

    Limited access to fair, affordable credit

    Our Repsonse

    Flexible terms from local lenders who understand your goals

    Challenge in Colorado

    Fewer financial resources in rural and underserved areas

    Our response

    Community-based lending with free technical assistance

    Challenge in Colorado

    Limited options for startup and growth

    Our response

    Working capital, equipment loans, and lines of credit

    DreamSpring Businesss Loans in Colorado

    Loan options and services may vary by location to meet local business needs. 

    Power Line of Credit

    $1,000 to $100,000

    This loan is best for...

    Entrepreneurs looking for a flexible line of credit to support their business.

    LEARN MORE

    Small Business Loan

    $1,000 to $250,000+

    This loan is best for...

    Entrepreneurs who need customized funding to start or grow their business.

    LEARN MORE

    Ready, Set, Grow! Loan

    Up to $15,000

    This loan is best for...

    Entrepreneurs who want to turn a passion project or side hustle into a full-fledged small business.

    LEARN MORE

    SBA Community Advantage 7(a) Loan

    $50,000 to $350,000

    This loan is best for...

    Small business owners with larger capital needs, backed by the U.S. Small Business Administration (SBA).

    LEARN MORE

    Commercial Real Estate Loan

    $50,000 to $2,000,000

    This loan is best for...

    Experienced entrepreneurs looking to purchase a physical location for their business.

    LEARN MORE

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    Colorado dreams come true

    Customer Photo of Rhoda Johnson

    Rhoda Johnson

    Owner of Rhoda Design Group in Aurora, Colorado

    Read Story >
    Customer Photo of Amos Velasquez

    Amos Velasquez

    Owner of Rocky Mountain Chimney Sweeps & Air Ducts in Colorado Springs, Colorado

    Read Story >
    Customer Photo of Heidi Wagner

    Heidi Wagner

    Owner of Heidi Wagner Photography in Boulder, Colorado

    Read Story >

    How to start a business in Colorado

    Step 1: Register your business.

    Step 2: Get your federal tax ID (EIN).

    • Secure your 9-digit EIN from the IRS. You’ll need this to open a business bank account, apply for credit, and manage state tax filings.

    Step 3: Register for state taxes.

    • Use the MyBizColorado portal to set up your accounts with the Department of Revenue and the Department of Labor and Employment. This covers sales tax, withholding tax, and unemployment insurance in one place.

    Step 4: Verify licensing and permit requirements.

    • While Colorado does not have a "general" state business license, many professions are regulated by the Department of Regulatory Agencies (DORA). You should also check with your specific city for local occupational tax certificates or zoning permits.

    Step 5: Secure funding and resources with DreamSpring.

    CO State highlight Map

    99.5% of businesses in Colorado are small businesses!

    How do I apply?

    Let's get started.

    You can start our online loan application from your computer or mobile device. From there, you’ll share information about you and your small business. Based on the information you share, we’ll provide a decision with rates, terms, and details. You can finalize the loan process and sign your loan documents online. We’ll then send the money you need for your business!

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    What documents are required for a DreamSpring loan application?

    Getting ready to apply? Depending on the amount you're requesting, we'll need different documents to complete your loan application. Check out the lists below to prepare ahead of time. If you have questions or want to connect with a lender, we're happy to help. Contact us!

    For loan requests up to $14,999 — we’ll need:

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf. 

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    For loan requests $15,000 to $49,999 — we’ll need: 

    •  A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Your most recent year of personal and business tax returns

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    For loan requests $50,000 to $99,999  — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Two of your most recent years of personal and business tax returns

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    For loan requests above $100,000 — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Three of your most recent years of personal and business tax returns (if applicable)

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    Colorado resources and partnerships

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    Attend a workshop, apply for grants, and find organizations in New Mexico that are invested in seeing your business succeed.

    Get in touch!

    A DreamMaker is ready to help.