Business Loan Opportunities

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Small Business Stabilization Program: Grants for Small Businesses with under 25 EmployeesThe Adams County Community & Economic Development Department has established the Small Business Stabilization Program (SBSP) to provide local businesses with grants to retain jobs during the COVID-19 pandemic.

The grants for the SBSP are paid for by the Community Development Block Grant (CDBG) program, which is funded by the U.S. Department of Housing and Urban Development (HUD) to improve the physical, economic, and social conditions for low- to moderate-income populations.

According to HUD’s guidance, CDBG funds can be used to assist for-profit businesses to avoid job loss caused by closures related to social distancing. Funding can provide short-term working capital assistance to small businesses to enable retention of jobs and provide organizational stability.   
Visit the link to determine your eligibility. 


Arvada Emergency Business Recovery InitiativeThe City of Arvada has created a $2.5 million loan fund to help qualifying businesses stay afloat until funding from the Small Business Administration (through the CARES Act) becomes available. The City will award no-interest loans of up to $10,000.00 from the fund to qualifying small businesses. To qualify, a business must have a physical address within the City of Arvada. Learn more about eligibility requirements and how to apply.
Arvada Microloan Fund: This loan fund is proud to provide access to capital for businesses with their primary locations within the Arvada city limits. Loan amounts may be up to $50,000 through the Colorado Enterprise Fund and Arvada Economic Development Association. Apply online or call 303.860.0242 to request a loan application package.
Aurora Economic Relief Loan and Grant ProgramRestaurant, retail, service or entertainment small businesses and arts-related nonprofits in Aurora are invited to apply for financial assistance from the city of Aurora’s new $1 million Aurora Economic Relief (AER) Loan and Grant Program, in cooperation with CEDS Finance. Depending on the financial need, grants are available up to $5,000 or loans from $5,000 to $50,000 to help businesses retain jobs. Some eligibility requirements: be based in Aurora with a physical location in the city (preferably with a storefront) and have 50 or fewer employees. 
Brighton COVID-19 Relief FundSpecifics on the loan product offered through the Brighton COVID-19 Relief Fund:
  • ​Up to $25,000 loans
  • Up to 6-year term
  • 6 months interest-only payments
  • Deployed to 20-25 small businesses within the Brighton City Limits
CDBG Grants for Nonprofits and Local Government AgenciesThe CDBG program is funded by the U.S. Department of Housing and Urban Development (HUD) and was created to improve the physical, economic, and social conditions for low- to moderate-income populations. Currently, only designated local governmental agencies, known collectively as the Urban County, are eligible to apply for Adams County CDBG funding. Urban County members include the cities of Brighton, Northglenn, Federal Heights, the Town of Bennett, and unincorporated Adams County.

Eligible projects include:

  • Infrastructure
  •  Public facility improvements
  •  Housing rehabilitation
  •  Public services.

Any project or program funded with CDBG funds must meet specific eligibility criteria per HUD regulations (24 CFR part 570), address local priorities and objectives as outlined in the 2015-2019 Consolidated Plan, and meet a national objective of the program as prescribed by HUD. 

These national objectives include:

  •  Benefit low to moderate-income persons
  •  Prevent or eliminate slum and blight conditions
  •  Address an urgent community need
Colorado Enterprise Fund (CEF) Original Small Business LoanHas a bank or credit union turned you down? Are you looking for a loan but aren’t sure where to start? CEF has loans, aka capital, for just about any small business need. From microloans, to step up loans, healthy foods loans, loans for Veterans, an SBA Community Advantage Loan, a line of credit, or even a commercial real estate loan, CEF can help. To determine if a loan through CEF is right for you, answer their five pre-qualification questions at the link provided.  
Coronavirus Emergency Loans Small Business Guide and ChecklistThis PDF provides the information you'll need to know and answers questions you might have about the  Coronavirus Aid, Relief, and Economic Security (CARES) Act that allocated $350 billion to help small businesses keep workers employed during the pandemic.
Denver Emergency Relief FundAn emergency relief program to provide cash grants of as much as $7,500 to highly impacted businesses, such as restaurants, that may have laid-off workers, are struggling to pay rent and utilities, or are temporarily closed. Denver Economic Development and Opportunity (DEDO) is overseeing the fund. Apply for emergency relief. 
Denver Microlending ProgramDenver’s new Microlending Program provides lending capital and support services to small businesses and entrepreneurs who lack access to traditional and conventional capital sources. Our goal is to help create, retain, stabilize, and expand local small businesses. Ideal applicants: 
  • Companies will less than $1 million in gross revenues
  • Challenged with obtaining business financing through financial sources
  • Low- to moderate-income, both as existing or aspiring entrepreneurs
  • Strong links to neighborhood placement/preservation and service in Globeville, Elyria/Swansea, Montbello, East Colfax, Westwood, or Sun Valley
Denver Small Business Emergency Relief: Providing up to $7,500 in cash grants, this program is designed to assist eligible small businesses that may have had to temporarily close, have difficulty with paying their rent and utilities, or have had to lay off staff. This program is available to small businesses in Denver only. Next application deadline: March 31, 2020.
Disaster Loan Assistance for Small Businesses: Apply for an Economic Injury Disaster Loan (EIDL) through the U.S. Small Business Administration website. The SBA works directly with state governors to provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19). Working capital loans of up to $2 million can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. Click here for more information on these loans related to COVID-19.
Economic Injury Disaster Loan AdvanceIn response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.
Facebook Small Business Grants Program: Facebook is offering $100 million in cash grants and ad credits for up to 30,000 eligible small businesses. The loans can be used for keeping your workforce going strong, helping with rent costs, connecting with more customers, and covering operational costs. Facebook will begin taking applications in the upcoming weeks. To receive updates regarding when the application will be online, click here and input your email address.
Grants and Low-Interest-Rate Business Loans for Underserved, Small Business OwnersOpportunity Fund, which specializes in money lending to small businesses owned by women, immigrants, and people of color, is collaborating with investors and nonprofits to put together a COVID-19 relief fund that will provide grants and low-interest-rate loans to business owners in need.

JPMorgan Chase: On March 18, JPMorgan Chase announced a $50 million global philanthropic commitment to address the immediate public health and long-term economic challenges from the COVID-19 global pandemic. Funds will support communities and people hit hardest by this public health crisis through an initial $15 million commitment, including:

  • $5 million to provide immediate healthcare, food, and other humanitarian relief globally.
  • $2 million to existing nonprofit partners around the world that are responding to the COVID-19 crisis in their communities.
  • $8 million to assist small businesses vulnerable to significant economic hardships in the U.S., China, and Europe.
Kiva 0% Interest Business Loans - Now ExpandedKiva is expanding their local business loan program to increase business eligibility and to increase the loan amount available to each business. Learn more on Kiva's blog and apply online.
Mainvest: Main Street InitiativeMainVest, a crowdfunding platform for businesses, announced its new Main Street Initiative: a $2,000, 0% interest, 120-day loan for restaurants or other brick-and-mortars affected by the shutdown, in addition to its normal fundraising offerings. Create an account with Mainvest, and you'll automatically become an applicant for the Main Street Initiative Loan. 
Paycheck Protection Program (PPP) LoansThe initiative provides 100% federally guaranteed loans to small businesses that maintain their payroll during this emergency. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.

The Paycheck Protection Program, which allocates $349 billion in forgivable loans to help small businesses, independent contractors, and nonprofits meet payroll and rent needs. Businesses can begin applying for the loans on Friday, April 3, which will be given on a first-come, first-served basis. The first step in accessing these forgivable loans is to prepare the materials necessary to apply. That includes confirming your eligibility, gathering the necessary records (payroll, rent, utilities, tax and bank records), and estimating the eligible amount of your forgivable loan. Click here for more resources, including information on SBA Economic Injury Disaster Loans, SBA Express Bridge Loans, Small Business Emergency EIDL Grants, Small Business Debt Relief, and much more.

To access the Paycheck Protection Program application, click here.

Small Business Development Center representatives are available to answer your questions through the COVID Economic Hotline at 303.860.5881.

U.S. Chamber of Commerce has issued this guide to help small businesses and self-employed individuals prepare to file for a loan. 

Payroll Tax CreditA payroll tax credit for wages paid by businesses that fully or partially close due to Coronavirus.  


  • A credit against 50% of payroll taxes on qualified wages per quarter (the employer share of Social Security taxes) for any quarter in which the business is fully or partially suspended or in which there was a significant revenue decline in 2020
  • The credit is refundable
  • For businesses with more than 100 employees, only wages for employees that are not still working are eligible
  • Credit only applies to a max of $10K per employee
  • Wages for any employee for which the credit applies may not exceed wages the employee received in the 30 day period previous.
  • Businesses receiving other EIDL or Paycheck Protection Loans would not be eligible.


  • Any business that partially or fully closed during the Coronavirus crisis or that experiences significant revenue declines due to the virus.
  • Self-employed individuals that similarly qualify.
Payroll Tax DeferralThe Payroll Tax Deferral program allows businesses to a deferral for payroll taxes owed in 2020. Half would be payable in December 2021 and the other half in December 2022. Businesses receiving other EIDL or Paycheck Protection Loans would not be eligible. 
SBA Debt Relief: The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis. Under this program: 1) The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020. 2) The SBA will pay the principal and interest of current 7(a) loans for a period of six months.

SBA Express Bridge LoanThe Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster Loan. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

Connect with your local SBA District Office to get matched to an Express Bridge Lender | 303.844.3607

Small Business Emergency EIDL GrantsThe CARES Act included $10 billion in funding to provide advance emergency grants of $10,000 to small businesses and nonprofits that also apply for an SBA economic injury disaster loan. These emergency grants will be provided to applicants within three days of applying for the loan.
Town of Bennett Stronger Together Business Assistance Program: The Town will offer a variety of assistance options for businesses in Bennett. The specific type of assistance will depend on the needs of the business as well as the benefits created by the proposed project. The program will allocate $15,000 from the current Benefits of Bennett grant program, $5,000 from event reallocation, and a $5,000 cash contribution from IREA and Co-Bank for a total pool of $25,000.

Application Process
If businesses are in the situation where they believe they fit the described "Bennett Stronger Together” program goals or will need financial assistance, we ask they submit an email with the following information to

  1. Give a brief description of the business's product or service.
  2. Explain the impact COVID-19 has had on your business.
  3. Is your business currently open or closed?
  4. Explain how payment assistance or rebates will benefit your business and our local economy.
  5. What is your strategic business plan for the next 90 days? (i.e., reduction of staff, hiring unemployed workforce, adjustment of operating hours, etc.)

The "Bennett Stronger Together” program is subject to available funding. Support is determined on a first-come, first-served basis. Final approval for assistance or rebate up to the funding availability will be by the Deputy Town Administrator, based on recommendations from staff and the Bennett Business Advisory Committee.