Sba Loans in Aurora, CO
SBA loans are the backbone of long-term small business financing in Aurora. Backed by a partial guarantee from the U.S. Small Business Administration, they let community lenders like Marquette Capital Group offer longer terms and lower down payments than a conventional commercial loan — the difference between a 5-year note that strangles your cash flow and a 10- or 25-year note that lets you actually run the business.
We work with SBA 7(a), 504 and Express programs for businesses across the Denver metro. That means we can finance working capital, equipment, real estate, partner buyouts, or a mix of all four inside one facility. Because our underwriters are here in Aurora — not sitting in another time zone — we can tell you within a day whether a file is likely to be approved, and we structure it so it actually closes.
Colorado has one of the most active SBA lending markets in the Mountain West. We use that to your advantage: matching your file to the SBA lender most likely to approve your specific industry, credit profile and use of funds.
- Buying commercial real estate along the Front Range
- Acquiring an existing Aurora or Denver business
- Refinancing high-interest short-term debt
- Long-term working capital for growing operations
- Financing a leasehold buildout with equipment
- Partner buyouts and ownership changes
- 2+ years of business operating history (exceptions for strong startups)
- Personal credit score of 650+ preferred
- Two years of business and personal tax returns
- Debt service coverage ratio of ~1.15x or better
- Owner-operator involvement in the business
From intake to funded in four steps.
“SBA loans are the best long-term structure for most stable Aurora businesses — but they aren't fast. Expect 45–90 days for a typical 7(a) and longer for 504 real-estate deals. If you need funds this week for a payroll gap, an SBA loan is the wrong tool; a line of credit or working-capital advance is right. We'll tell you which is which up front.”
Questions Aurora operators actually ask.
Do you originate SBA loans directly in Aurora?+
Yes. We package and place SBA files locally in Aurora, working with SBA-preferred lender partners so decisions move faster than a bank branch. Every file has a named underwriter at our Colfax office.
What SBA loan rates should I expect in Colorado?+
SBA 7(a) rates are pegged to the prime rate plus a lender spread, capped by the SBA. In today's market that typically lands between prime + 1.5% and prime + 2.75% depending on size and structure. We disclose the full APR on the term sheet.
How much down payment do SBA loans require?+
As little as 10% for most 7(a) uses and 10–15% for 504 real estate deals. Startups and business acquisitions may require slightly more equity injection.
Can I use an SBA loan to buy an existing Aurora business?+
Yes — this is one of the most common uses. We finance business acquisitions across the Denver metro, including partner buyouts, add-on acquisitions and full ownership changes.
What if I've been denied an SBA loan somewhere else?+
Bring the decline letter. In many cases the file was submitted to the wrong lender or structured incorrectly. We re-underwrite from scratch and route it to a lender whose credit box actually fits.
Talk to Aurora about sba loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.