Best SBA Lenders in Fort Collins, CO (2026)
2025 FOIA data: top lenders, rates & industries for Fort Collins SBA loans
SBA Loans in Fort Collins, Colorado
Looking for an SBA loan in Fort Collins, Colorado? Based on 2025 FOIA data, 55 SBA 7(a) loans were funded in Fort Collins totaling $27.3M, supporting an estimated 657 jobs. With 26 active lenders competing for business in the Fort Collins market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Fort Collins is $497K at an average rate of 10.05%. The top lender in Fort Collins is Live Oak Banking Company, with the most-funded industry being Security Guards and Patrol Services. See all Colorado SBA lenders for statewide rankings.
SBA Loans in Fort Collins by Business Type
Whether you’re starting a new business in Fort Collins, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 9% of SBA loans in Fort Collins (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 36% (7 loans) — if you’re looking to buy a business in Fort Collins, this is a proven use case for SBA financing. Existing businesses make up 50% and typically receive the most favorable terms.
Top SBA Lenders in Fort Collins, CO (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Fort Collins businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $4.6M | 3 | 9.55% |
| 2 | FirstBank | $4.1M | 1 | 7.5% |
| 3 | MISSINGMAINBANKID | $2.8M | 4 | 9.61% |
| 4 | Hanmi Bank | $2.4M | 2 | 9.62% |
| 5 | KeyBank National Association | $1.7M | 3 | 10.22% |
| 6 | US Metro Bank | $1.6M | 1 | 8.75% |
| 7 | First Internet Bank of Indiana | $1.5M | 2 | 9.5% |
| 8 | The Huntington National Bank | $1.3M | 8 | 10.06% |
| 9 | Newtek Bank, National Association | $1.2M | 5 | 10.6% |
| 10 | JPMorgan Chase Bank, National Association | $1.1M | 2 | 7.5% |
The top lenders in Fort Collins have direct experience with local businesses and understand the Fort Collins 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 Fort Collins 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 Fort Collins
One 5-minute application. 26+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Fort Collins
These are the industries that received the most SBA 7(a) funding in Fort Collins 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 |
|---|---|---|
| Security Guards and Patrol Services | 1 | $4.1M |
| Financial Transactions Processing, Reserve, and Clearinghouse Activiti | 1 | $3.5M |
| Plumbing, Heating, and Air-Conditioning Contractors | 3 | $2.5M |
| Electrical Contractors | 4 | $1.8M |
| Fitness and Recreational Sports Centers | 3 | $1.7M |
| Hotels (except Casino Hotels) and Motels | 1 | $1.6M |
| Offices of Mental Health Practitioners (except Physicians) | 1 | $950K |
| Insurance Agencies and Brokerages | 2 | $682K |
| General Automotive Repair | 3 | $675K |
| Chocolate and Confectionery Manufacturing from Cacao Beans | 1 | $667K |
Lenders with experience funding your specific industry in Fort Collins 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 Fort Collins
Option 1: Apply directly to one of the top Fort Collins 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 Fort Collins-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.
