Best SBA Lenders in Berthoud, CO (2026)
2025 FOIA data: top lenders, rates & industries for Berthoud SBA loans
SBA Loans in Berthoud, Colorado
Looking for an SBA loan in Berthoud, Colorado? Based on 2025 FOIA data, 15 SBA 7(a) loans were funded in Berthoud totaling $20.7M, supporting an estimated 151 jobs. With 9 active lenders competing for business in the Berthoud market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Berthoud is $1.4M at an average rate of 8.99%. The top lender in Berthoud is SouthState Bank, National Association, with the most-funded industry being Offices of Other Holding Companies. See all Colorado SBA lenders for statewide rankings.
SBA Loans in Berthoud by Business Type
Whether you’re starting a new business in Berthoud, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 25% of SBA loans in Berthoud (6 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 28% (2 loans) — if you’re looking to buy a business in Berthoud, this is a proven use case for SBA financing. Existing businesses make up 47% and typically receive the most favorable terms.
Top SBA Lenders in Berthoud, CO (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Berthoud businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | SouthState Bank, National Association | $5.6M | 3 | 7.69% |
| 2 | Byline Bank | $5.0M | 2 | 9.5% |
| 3 | Fifth Third Bank | $4.8M | 3 | 8% |
| 4 | MidWestOne Bank | $3.0M | 1 | 8% |
| 5 | Dogwood State Bank | $924K | 1 | 10.25% |
| 6 | Fortis Bank | $750K | 1 | 10.25% |
| 7 | The Huntington National Bank | $239K | 2 | 9.75% |
| 8 | Colorado Enterprise Fund | $150K | 1 | 9.99% |
| 9 | Northeast Bank | $150K | 1 | 10.75% |
The top lenders in Berthoud have direct experience with local businesses and understand the Berthoud market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Berthoud and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Berthoud
One 5-minute application. 9+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Berthoud
These are the industries that received the most SBA 7(a) funding in Berthoud in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Offices of Other Holding Companies | 1 | $4.9M |
| Offices of Dentists | 2 | $4.4M |
| Site Preparation Contractors | 2 | $3.2M |
| Roofing Contractors | 1 | $3.0M |
| General Automotive Repair | 1 | $2.4M |
| Landscaping Services | 1 | $924K |
| Other Motor Vehicle Parts Manufacturing | 1 | $750K |
| Veterinary Services | 1 | $420K |
| Full-Service Restaurants | 2 | $239K |
| All Other Specialty Trade Contractors | 1 | $150K |
Lenders with experience funding your specific industry in Berthoud understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Berthoud
Option 1: Apply directly to one of the top Berthoud lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Berthoud-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
