Capital for Colorado operators
from the Front Range to the Western Slope.

Colorado runs one of the most diversified state economies in the Rocky Mountain West. The Front Range — Fort Collins through Denver to Colorado Springs and Pueblo — is one of the densest aerospace and defense clusters in the country, with Lockheed Martin, Northrop Grumman, Ball Aerospace, Raytheon, and the deep tier-two supplier base around Buckley Space Force Base, Peterson SFB, the Air Force Academy, and the broader Space Force footprint. The DJ Basin in Weld County is a meaningful US oil and gas play. The I-70 mountain corridor runs one of the most concentrated tourism economies on the continent. Boulder and the Denver Tech Center anchor a deep tech layer. Banks, by structure, cannot move at the pace these supply chains and seasonal cycles demand. Goliath was built to.

Our Colorado pipeline reaches every region of the state. The Denver metro brings us deal flow from downtown, RiNo, LoDo, the Highlands, Cherry Creek, and Stapleton, plus the deep contractor base riding the metro's permanent build cycle — see our dedicated Denver page for more detail. Colorado Springs anchors the Pikes Peak region and the densest defense-contractor footprint in the state. Aurora drives east-metro deal flow tied to Buckley SFB and the Anschutz Medical Campus. Fort Collins and Loveland anchor a deep tech, brewing, and university economy. Boulder runs a tech, biotech, and aerospace economy with global reach. The I-70 corridor, Western Slope, and southern Colorado round out a state that is genuinely continental in scale.

The bank-lending coverage gap in Colorado

Colorado has an active banking sector and yet the small-business credit gap is wider than people expect. Community-bank consolidation has thinned the field outside the Denver metro, and surviving regional and national institutions structurally favor commercial real estate, oil and gas reserve lending, and high-net-worth lending over the $50K to $500K working-capital tickets that small businesses actually need. The result: a Colorado Springs defense subcontractor, a Vail valley hospitality operator, a Fort Collins brewer, a Grand Junction contractor — strong, deposit-rich businesses — frequently cannot get a timely yes from a bank. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate the company. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach is well-matched to the Colorado mix because it accommodates the highly seasonal ski-resort operator, the steady-cash Front Range defense subcontractor, the cyclical DJ Basin oilfield service company, and the project-based Denver contractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The Colorado industry mix, the way we see it

Aerospace and defense anchor the Front Range portion of our book — Lockheed Martin (Waterton), Northrop Grumman, Ball Aerospace, Raytheon, L3Harris, and the deep tier-two supplier base around Buckley SFB, Peterson SFB, Schriever SFB, the Air Force Academy, and US Space Command. Energy services in the DJ Basin plus renewables (wind and solar) drive a meaningful slice. Tourism and hospitality tied to the I-70 ski corridor, Rocky Mountain National Park, and the deep festival economy is a major pillar. Tech anchored by Boulder (Google's Boulder campus, IBM legacy, Workday, Sphero, the Boulder venture ecosystem) and the Denver Tech Center is the next slice. Agriculture across the eastern plains, brewing (Coors and a craft layer with over 400 breweries), and construction round out the top.

Colorado is best understood as several regional economies stitched together by I-25, I-70, and the Front Range corridor: the Denver metro, the Colorado Springs aerospace and defense cluster, the Boulder and Fort Collins tech-and-university belt, the Aurora and east-metro economy, and the I-70 mountain corridor. Below is how the major metros break down in our book.

Denver

Denver is the largest single Colorado market in our book and one of the most economically diversified mid-sized metros in the country. Industry mix is anchored by aerospace and defense, energy headquarters (a deep cluster of upstream and midstream firms), tech, healthcare (UCHealth, Centura, Denver Health), and a deep contractor base riding the metro's permanent build cycle. We fund operators across downtown, LoDo, RiNo, the Highlands, Cherry Creek, Stapleton, Lone Tree, the Denver Tech Center, and out through Westminster and Englewood.

Colorado Springs

Colorado Springs anchors the Pikes Peak region and the densest defense-contractor footprint in the state. The economy is built around the Air Force Academy, Peterson Space Force Base, Schriever SFB, US Space Command, Fort Carson, Cheyenne Mountain, Northrop Grumman, Lockheed Martin, Raytheon, L3Harris, and the deep tier-two supplier base. We fund defense subcontractors, restaurants and retail across downtown and Old Colorado City, contractors riding the Falcon and Black Forest build cycle, and healthcare practices.

Aurora

Aurora is the third-largest city in Colorado and runs an economy tied to Buckley Space Force Base, the Anschutz Medical Campus (one of the largest academic medical centers in the country), Children's Hospital Colorado, and a deep service and contractor base. We fund healthcare practices and adjacent services across the Anschutz footprint, defense subcontractors, contractors riding the southeast Aurora build cycle, restaurants, and the long tail of professional services.

Fort Collins

Fort Collins is built around Colorado State University, a deep tech and semiconductor footprint (Broadcom, Intel legacy, Woodward, OtterBox), and one of the densest craft-brewing economies in the country (New Belgium, Odell). We fund restaurants and breweries across Old Town and the Mason Corridor, contractors riding the Loveland and Windsor build cycle, healthcare practices, tech vendors, and the long tail of professional services orbiting CSU and the major employers.

Lakewood

Lakewood is the largest first-ring suburb of Denver and runs a deep contractor, professional-services, and federal-employment economy tied to the Denver Federal Center (the largest concentration of federal employees outside DC). We fund contractors, restaurants and retail along Colfax and Belmar, healthcare practices, and the long tail of professional services orbiting the federal footprint.

Boulder

Boulder runs one of the most distinctive small-metro economies in the country — a venture-funded tech and biotech layer (Google Boulder, IBM legacy, NCAR, NIST, NOAA), a deep aerospace footprint anchored by Ball Aerospace, a craft-brewing and natural-foods cluster, and a CU Boulder-driven academic and student economy. We fund tech vendors, restaurants and bars across Pearl Street and the Hill, contractors riding the steady residential build, healthcare practices, and the long tail of professional services orbiting CU and the venture ecosystem.