Colorado · 70+ Lenders Compete

Business Loans in Colorado — $250K to $20M+

Your bank wants the slow, proven, sit-on-your-hands version of your growth. We built Basecamp in Colorado to fund the real one — one application, real lenders, $1M+ in as little as 48 hours when you're ready.

See What You Qualify For

At a glance

One file, $700K

Equipment financing$350K
tools and machines on the books
Working capital$250K
payroll and materials between jobs
Business line$100K
headroom for the unexpected
Funded together$700K

One application, the products that fit — stacked into the full number. Smaller stack, same playbook.

Soft-pullpre-qualNo impactto your creditLenderscompeteFundedas little as 48 hoursOneapplication

Colorado Market

Colorado is booming. Your bank is still pricing it like a risk.

A Denver builder who can't keep up with demand. A Boulder company scaling on reinvested revenue. A Colorado Springs aerospace shop with contracts stacking up. The state's growth is the story of the decade — and your bank still wants the slow, proven, sit-on-your-hands version of it. This is home turf for us, and we watch good Colorado operators get told to wait on the exact growth they should be funding.

That's the gap we fill — 70+ lenders who underwrite Colorado revenue and cash flow first, and back the momentum instead of asking you to apologize for it.

Capital Stacking

How a Denver GC Stacked to $2.5M — and Tripled Revenue

A commercial general contractor scaling from $5M to $15M didn't need one loan — they needed three working together. One bank product would have funded a fraction of the growth.

Three products, one application, one approval — the stack funds the whole growth curve, not a slice of it.

$2.5M funded — here’s the stack

Owner-occupied mortgage$900K
buying the yard and shop they'd been renting
Equipment line$1.2M
the equipment to take on bigger jobs
Working capital$400K
payroll and materials between draws
Funded together$2.5M

Each layer underwritten by the lender that prices it best.

Real Results

Funded in Colorado

Real financing scenarios for Colorado businesses. Every number is based on actual transactions through our lender network.

Construction financing case study — Fort Collins, CO
ConstructionFort Collins, CO

$1.1M for a site-prep and grading contractor that kept winning bids it couldn't staff or equip fast enough. Equipment financing for two dozers and a scraper, plus a working-capital line to mobilize on the next job before the last one paid out.

$1.1M
funded
equipment + working capital
bid bigger, staffed faster
Commercial Real Estate financing case study — Colorado Springs, CO
Commercial Real EstateColorado Springs, CO

$3.1M acquisition of a 20,000 sq ft medical office building near Fort Carson. Bridge-to-perm commercial mortgage. Tenant is a military healthcare provider on a 10-year lease. DSCR: 1.68x. Builds equity instead of paying a landlord.

$3.1M
funded
owns the building
1.68x
DSCR
Restaurant financing case study — Vail, CO
RestaurantVail, CO

$450K for a seasonal restaurant upgrading their kitchen before ski season. Equipment financing for commercial kitchen + $150K working capital to cover payroll through the slow October shoulder season. Funded fast — kitchen installed before opening day.

$450K
funded
installed before opening
ready for ski season
Healthcare financing case study — Boulder, CO
HealthcareBoulder, CO

$1.4M revenue-based capital stack for a Boulder two-location dental practice acquisition: term loan against $2.1M annual revenue + equipment financing + working capital. Previous owner retiring. Funded in 28 days — beat a DSO offer (see /loans/business-acquisition).

$1.4M
funded
28
days
beat corporate buyer
Trucking financing case study — Grand Junction, CO
TruckingGrand Junction, CO

$1.8M fleet expansion for an oilfield services hauler on the Western Slope. 8 new trucks for Piceance Basin contracts. Equipment financing at 10% down. Funded quickly once the file was ready.

$1.8M
funded
10%
down
8
trucks on the road
Section 179 Tax Strategy financing case study — Fort Collins, CO
Section 179 Tax StrategyFort Collins, CO

$1.2M in brewing and packaging equipment for a craft brewery expanding distribution statewide. 10% down ($120K). Section 179 generally lets equipment like this be written off the year it's placed in service — here, a $1.2M deduction, roughly $444K at a 37% rate. Your CPA confirms the specifics. Equipment financed, cash preserved for inventory and marketing.

$1.2M
equipment
$120K
down
$444K
tax savings

What an operator said

“We're a seasonal business in the Vail Valley. Banks don't understand that we do 70% of our revenue in 4 months. They look at our May numbers and see a struggling business. Basecamp's team looked at our full-year revenue and funded us in 8 days. They get Colorado.”

— Restaurant owner, Vail CO

Get Started

See What Colorado Lenders Will Offer You

One application. Real lenders compete. Your dedicated specialist presents your best options.

What Happens When You Start

Your funding range appears as you answer
Auto-advances as you go — no extra clicks
No hard inquiry — your credit stays untouched
A real specialist reviews your application — not an algorithm
No obligation — see your range and decide
Estimate
Revenue
History
Contact

Estimate Your Capital Range

Slide to your annual gross revenue. We size capital off your top line — not your credit score.

$500K$10M$150M+

Estimated Capital Range

$1M – $1.5M

A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.

60 seconds · No obligation · Estimate only

5.0★★★★★78 ReviewsBasecamp Funding BBB Business Review

Industries We Fund

Top Industries in Colorado

The Colorado sectors our lenders fund most.

Construction

Denver is one of the top construction markets in the US. Commercial, residential, infrastructure, mountain resort development.

Restaurants

Colorado's food scene has exploded. Denver, Boulder, mountain towns — 15,000+ restaurants statewide.

Healthcare

UCHealth, SCL Health, Centura. 350K+ healthcare workers. Growing rapidly along the Front Range.

Manufacturing

Aerospace (Lockheed Martin, Ball Aerospace), craft food/beverage, outdoor recreation equipment.

Trucking

I-25, I-70 corridors. Mountain passes create specialized hauling demand. Energy sector hauling on Western Slope.

Med Spa

Denver, Boulder, Aspen, Vail are top med spa markets. Affluent demographics drive aesthetic demand.

Auto Repair

5.8M registered vehicles. Mountain driving, extreme weather, and altitude wear create constant demand.

Wholesale

Denver is a distribution hub for the Mountain West. Cannabis wholesale is a massive Colorado-specific sector.

Attorneys

Denver is a growing legal market. Natural resources, real estate, cannabis law, outdoor recreation liability.

Funding by the Size of the Need

Capital Matched to Where You Are Right Now

One application, multiple lenders — and when your file's ready, $1M+ can fund in as little as 48 hours.

Tier 1

Growing Operators

Funding

$250K to $1M

Working capital, equipment financing, and business lines of credit — approved on revenue and cash flow, not a lien on your home.

Request a Financing Review →
Tier 2

Established Businesses

Funding

$1M to $5M

Capital stacked across multiple lenders — working capital, equipment financing, accounts-receivable lines, and unsecured business credit. Each piece priced by the specialist who underwrites it best, mapped by a dedicated commercial advisor.

Structure Your Capital Plan →
Tier 3

Commercial & Complex

Funding

$5M to $20M+

Business and practice acquisitions, fleet and heavy-equipment financing, asset-based and inventory lines, owner-occupied commercial real estate — multi-lender capital stacks to $20M+, structured to fund in days, not the months a bank takes.

See Your Capital Architecture →

Funding Products

One File. Every Way to Fund the Business.

Working capital, equipment, real estate, acquisitions, and structured debt — matched to the lenders who price each one best.

Working Capital

Unsecured working capital approved on revenue and cash flow — funded in days for payroll, inventory, and expansion.

Business Line of Credit

A revolving line of credit you draw from as needed — pay interest only on what you use.

Equipment Financing

Financing for machinery, vehicles, and heavy equipment — low down payment, funded in days.

Term Loans

Business term loans with predictable payments — built for expansion and major capital projects.

Accounts Receivable Financing

Accounts-receivable financing and invoice factoring — turn unpaid invoices into working capital fast.

Purchase Order Financing

Purchase-order financing to fulfill large orders — pay suppliers without tying up your cash.

Revenue-Based Financing

Revenue-based financing sized to your sales, with payments that move with your revenue.

Early Stage Growth Capital

Capital for operators 6+ months in — underwritten on four months of bank statements, not two years of tax returns.

Commercial Real Estate

Owner-occupied commercial real estate financing — purchase, refinance, and expansion.

Business Acquisition

Acquisition financing for business and practice purchases, partner buyouts, and expansions.

Franchise Financing

Franchise financing for new units and multi-unit growth — approved on revenue, not just credit.

Asset-Based Lending

Asset-based lending secured by receivables, inventory, and equipment — a borrowing base that grows as your business does.

Middle Market / Structured Debt

Middle-market and structured debt for buyouts, recapitalizations, and growth capital.

Underwriting

What Underwriting Looks At

Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.

Revenue-first

sized off your top line, not just your balance sheet.

Cash-flow driven

your bank statements show how the business really runs.

Bank-statement underwriting

even a down year is read off 4 months of statements.

Story-driven

a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.

Qualification

What It Takes to Qualify — at Every Size

What a lender needs scales with the size of the structure. A $250K working-capital line reads off a few months of bank statements; a $10M capital stack gets underwritten like the serious commercial credit it is. Here's the honest line at each level — and the desk will tell you straight where your file lands.

Growing

$250K–$1M

Established

$1M–$5M

Commercial

$5M–$20M+

Time in business

6+ months, steady revenue

2+ years preferred

Established track record

What you bring

4 months of bank statements

Statements + business financials

Financials, returns, use-of-funds

Drives approval

Revenue & cash flow

Cash flow + documented use

Debt-service coverage + cash flow

Credit

Ideally 600+

Ideally 600+

Ideally 600+

The story

A real contract or growth reason

A clear case for the capital

Holds up to an underwriter

Growing

$250K–$1M

Time in business

6+ months, steady revenue

What you bring

4 months of bank statements

Drives approval

Revenue & cash flow

Credit

Ideally 600+

The story

A real contract or growth reason

Established

$1M–$5M

Time in business

2+ years preferred

What you bring

Statements + business financials

Drives approval

Cash flow + documented use

Credit

Ideally 600+

The story

A clear case for the capital

Commercial

$5M–$20M+

Time in business

Established track record

What you bring

Financials, returns, use-of-funds

Drives approval

Debt-service coverage + cash flow

Credit

Ideally 600+

The story

Holds up to an underwriter

↳Time in business is a factor, not a gate — newer operators with strong revenue still qualify. What stalls a file at any size: sustained losses with no turnaround story, no clear use of funds, or undisclosed stacking — most of it fixable in a quarter, and the desk tells you straight which gaps to fix first.

FAQ

Colorado Business Loans — Questions

You need 6+ months in business, a business checking account, and consistent monthly revenue. We pull a soft credit check that won't affect your score. Revenue and cash flow drive approval. Your credit score is one factor — not the only factor. Strong business performance matters most.

Working capital and revenue-based products can fund in as little as 48 hours once your file is ready. Equipment financing typically takes about one to two weeks. Commercial real estate runs longer — we do it, but it's not the 48-hour lane.

Yes — and we understand seasonal revenue better than any bank. Mountain restaurants, construction companies, and hospitality businesses that do 60–70% of revenue in a few months qualify based on full-year numbers, not the shoulder season snapshot your bank is looking at.

No fixed minimum. Lenders evaluate your full business profile — monthly bank deposits, time in business, industry, and cash flow — over personal credit alone. Some products are available to credit-challenged borrowers scoring as low as 500.

Every legal industry. Our strongest Colorado verticals include construction, restaurants, healthcare, manufacturing, trucking, med spa, auto repair, wholesale, and attorneys. From Denver tech companies to Grand Junction oilfield services — we fund it all.

We structure CRE financing from $500K to $20M+ including conventional commercial mortgages, bridge loans, and construction financing. Denver's industrial and multifamily markets are particularly active right now.

A Colorado bank gives you one option — their own. And in mountain communities, your options are even more limited. Through Basecamp, lenders compete for your business simultaneously. One 60-second application, multiple offers, and a dedicated specialist who structures the best capital stack for your situation.

From the Founder

Colorado Business Lending — From Bobby Friel, Who Built Basecamp Right Here

I built Basecamp Funding in Edwards, Colorado because I believe every Colorado business owner deserves better than one bank's answer. Whether you're a contractor in Denver bidding on your biggest project, a restaurant in Vail preparing for ski season, or a manufacturer in Grand Junction expanding operations — our team treats you like family. That's not marketing. That's how we do business in Colorado.

The Colorado economy is unique. Mountain towns run on tourism with brutal shoulder seasons. The Front Range is booming but commercial rents are climbing fast. The Western Slope has enormous potential but limited banking options. Capital stacking works everywhere — from a $250K equipment line in Pueblo to a $5M acquisition in Denver. One application, real lenders competing, and a specialist who understands Colorado.

Start with our loan cost calculator to see real numbers, or explore our commercial financing page if your project exceeds $1M. For construction companies along the Front Range, our contractors funding playbook breaks down exactly how to structure capital for your next project.

Major Colorado metros where we structure $1M-$20M+ commercial transactions: Denver (the state's largest CRE market — $3.2B annual volume), the Vail Valley (mountain resort economy where Basecamp itself was built), and Summit County (the I-70 ski corridor — Breckenridge, Keystone, Frisco). Each metro has distinct lender preferences and our specialist team matches the structure to the metro.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder · 20+ years in banking and finance

Bobby Friel, Founder of Basecamp Funding

One Last Question

Colorado Businesses Don’t Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds