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Colorado SBA Loans

Small Business Lending in Colorado

With Central Bank & Trust you get a team of responsive, experienced bankers with the solutions and technology to meet all of your 7a SBA, and 504 SBA loans and lending needs.

We're happy to be your Colorado SBA Loan resource!


SBA Loans and Lending

SBA Business Loans

7(a) Loan

The more versatile of the SBA financing options, proceeds from a 7(a) Loan can be used for commercial real estate, property improvements, business acquisition, equipment, inventory, debt, refinance, working capital, and much more. These loans can be permanent or revolving and may range from one to 25 years.


504 Loan

A 504 loan is a long-term loans for land, buildings, and other substantial fixed assets. As a small business owner or entrepreneur, the best way to find out how you can take advantage of these programs is by connecting with the Central Bank & Trust team today.


Reasons to Work with Our SBA Lending Team

A Colorado SBA loan from CB&T provides:

    Only 10% down for most commercial real estate projects, means it’s easier to qualify for the loan amount you need
    Longer Amortizations (20-30 years) means lower payments for your clients
    You will work hand in hand with a local banker, who will be there with you every step of the way
    Financing for the entire project, land, building, construction, equipment, inventory, working capital, and closing costs

CB&T Client Testimonial – The Value of Local

David Leinweber, owner of Angler’s Covey in Colorado Springs, discusses working with Mark Maruszak and the value of having a local bank in good and challenging times.

Lymer Vision
"From the moment I stepped into Mark Maruszak's office it was AN AMAZING EXPERIENCE! How luck was I that I found a bank that has the exact same belief as we do at our office—clients come first."

Dr. Ted Lymer, Owner, Lymer Vision

Elevate Services Group
"We're in such better hands now with Central Bank & Trust. A local bank who actually knows what I'm going through and can appreciate what we as a community business are striving for."

Evan Eakin, Founder, Elevate Services Group

Jamie Keene
"A top-notch communicator, Vic has been highly responsive with clients who are working through time-sensitive real estate transactions and his expertise and ability to get SBA loans done in a timely manner has been a huge win for my clients.”

Jamie Keene, MAI, MBA, VP-Commercial Real Estate Broker

Connect with One of Our SBA Lending Experts Today!

Doug Lewis

Doug Lewis


Doug has dedicated his career to helping small to mid-sized business owners access the capital they need to start or expand their businesses. Doug also works closely with Real Estate & Business Brokers to ensure their deadlines are met and the clients are satisfied. As a seasoned loan officer,with nearly 20 years of industry experience, he specializes in delivering tailored financing solutions through the SBA loan program. Connect with Doug today!

Mark Maruszak


With more than 15-years of experience in banking, Mark is an amazing partner to his clients.  He not only guides his clients through every step of the process – from pre-qualification to closing – he also ensures that they are meeting their deadlines. To the Real Estate & Commercial Brokers that he works with, Mark is known for getting deals to the closing table on time and with little to no hassle. Connect with Mark today!

Vic Calonder

Vic Calonder


Vic started his career as a small business owner, running three Italian restaurants which, he sold after 10-years in operation. With more than 20-years of banking experience in the Denver-metro area, Vic is an excellent partner to his clients because he understands both sides of the SBA equation. Connect with Vic today!

Colorado SBA loan questions? Drop us a line and we'll get back to you. CONTACT US

Recently Closed Transactions


Real Estate Purchase, SBA Loan, 90% Financing

Manufacturing Company, Westminster, CO

Greg Bianchi


Ground up Construction, Working Capital, Equipment SBA 7A Loan

Casual Dining Restaurant, Aurora, CO

Vic Calonder


Ground up Construction, SBA 7(a) loan, 90% financing

Veterinary Practice, Colorado Springs, CO

Mark Maruszak

Have a question about SBA lending? Check out these FAQ'sSBA FAQ's

The SBA Loan Process

The SBA Loan Process

We do things a little differently here at Central Bank & Trust. We don’t try to be all things to all people, all across the country.  Instead, we have a highly experienced team right here in Colorado, dedicated to delivering an exceptional SBA business loan borrowing experience to small businesses, which is why we have become one of the top local SBA lenders in the state.

Most small business owners have never been through the process of obtaining a business loan, and we understand that.  At CB&T, we strive to provide clear and complete information, and to be as transparent as possible with our customers.

Here is what you can expect during the SBA Loan Process with Central Bank & Trust:

1. Connect

One of our dedicated SBA lending specialists will connect with you to discuss long-term business goals and current challenges, in order to create a tailored loan package.  As a part of this, our specialist will request various financial information and application forms from you.

2. Credit Underwriting

Once we have that information collected, we turn it over to our SBA loan underwriter.  They will confirm we have all the necessary documents and information and begin their analysis to ensure the information you provided aligns with our credit philosophy.  Once approved, we will issue you a formal written loan commitment letter.

3. Closing

Once you have signed and returned the loan commitment letter, your file is given to an SBA loan documentation specialist (also known as a Loan Closer).  They prepare a final checklist, begin drafting the loan documents, and work with you to reach a closing date.

4. Servicing

Once your loan closes, you are assigned an SBA portfolio specialist. This will be your primary point of contact for any questions or requests you may have about the continued management of your SBA loan.

Small Business Administration

SBA (Small Business Administration) Loans are often associated with high-risk businesses and processes entrenched with bureaucratic red tape. With today’s SBA program, that couldn’t be farther from the truth. With authorization to operate under the SBA’s Preferred Lending Program (PLP), Central Bank & Trust has the authority to approve, process, and close the loan on the SBA’s behalf. This results in a much more streamlined and competitive loan process.

Most small businesses are eligible for SBA Financing, and it’s the product of choice thanks to flexible and advantageous terms. However, working with an experienced SBA lender like those with Central Bank & Trust is critical for a smooth process. Even though the program has made great strides in becoming more user-friendly, the lender’s process and experience are what truly differentiates an exceptional client experience from one that is muddied by questions and concerns.

Looking for other commercial loan types?Commercial Lending