Colorado Commercial Real Estate Loans
Colorado has emerged as one of the most active commercial real estate markets in the Mountain West. Driven by consistent population growth along the Front Range, a booming tech and aerospace economy, and premium resort market demand, Colorado offers commercial investors a diverse range of property types and deal structures.
We originate commercial real estate loans for Colorado investors across the full property spectrum: 5+ unit multi-family, mixed-use, office, retail, industrial, and self-storage.
Commercial real estate loans qualify on the property’s cash flow, not personal income documentation. No tax returns required.
We are a nationwide private commercial lender — commercial loans are available in all 50 states and are not subject to the state licensing restrictions that apply to our residential mortgage products.
Check Commercial Loan Eligibility Talk to a Commercial Specialist — (833) 350-9185Colorado Commercial Markets We Serve
Denver Metro Denver is the primary commercial hub of the Mountain West. Multi-family demand is sustained by tech, aerospace, healthcare, and government employment. The urban core, Five Points, RiNo, and Stapleton-area development corridors attract apartment and mixed-use investment. Industrial demand near the I-70 corridor and DIA logistics cluster is consistently strong. We finance commercial properties across Denver, Aurora, Lakewood, Thornton, Westminster, Englewood, and surrounding submarkets.
Colorado Springs Colorado Springs has a substantial military-adjacent economy (Fort Carson, Peterson SFB, NORAD/Schriever) that drives consistent multi-family demand. The city’s commercial market has expanded into retail, flex industrial, and medical office space. We originate commercial loans across El Paso County including Fountain, Manitou Springs, and Monument.
Boulder and the Tech Corridor Boulder’s tight land constraints and strong employment base (tech, biotech, University of Colorado) create persistent demand for multi-family and mixed-use commercial properties. Longmont, Louisville, and Lafayette all have active industrial and flex office markets tied to Boulder’s growth. We work across the Boulder-Broomfield corridor.
Mountain Resort Markets Summit County, Eagle County (Vail/Avon), Pitkin County (Aspen/Basalt), and Routt County (Steamboat Springs) present commercial opportunities in hospitality-adjacent retail, mixed-use, and small multi-family. These markets carry premium pricing and are evaluated individually. We can assess commercial deals in Colorado’s resort communities.
Property Types We Finance in Colorado
| Property Type | Min Loan | Typical LTV | Notes |
|---|---|---|---|
| Multi-family (5+ units) | $500K | 70–75% | Apartment buildings, garden-style, mixed residential |
| Mixed-use | $500K | 65–75% | Retail/residential combos; commercial first floor + apartments |
| Office | $750K | 65–70% | Medical, professional, flex-office |
| Retail | $500K | 65–70% | Strip centers, NNN single-tenant, neighborhood retail |
| Industrial / warehouse | $750K | 65–75% | Light industrial, flex, logistics |
| Self-storage | $1M | 65–70% | Existing stabilized facilities |
Typical Loan Terms
| Feature | Range |
|---|---|
| Loan amounts | $500,000 – $10,000,000+ |
| Term | 5, 7, or 10-year fixed with 25–30 year amortization |
| LTV | 65–75% depending on property type |
| DSCR minimum | 1.20–1.30 |
| Close time | 45–75 days |
| Income docs | Not required — property cash flow qualifies |
| Vesting | LLC preferred; single-asset SPV standard |
| Reserves | 6–12 months operating + capex |
Frequently Asked Questions
Related Programs
- Commercial Loans (Nationwide) — Full program overview, all 50 states
- Colorado DSCR Loans — 1–4 unit residential investment properties
- Colorado Bank Statement Loans — Self-employed borrower residential program
- Colorado Mortgage Programs — All products available in Colorado
Check Commercial Loan Eligibility Talk to a Commercial Specialist — (833) 350-9185
1st Nationwide Mortgage, NMLS 1281. Commercial real estate loans subject to property underwriting, sponsor qualification, and lender approval. Terms, LTV, and DSCR minimums vary by property type and loan amount. Not all applicants or properties will qualify. Commercial loans are available in all 50 states and are not subject to residential NMLS licensing restrictions.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.