ASPEN COMMERCIAL LENDING
Strategic Capital. Substantial Outcomes.
From $500,000 to $10,000,000 and beyond, for businesses the banks could not place. Five lending programs, one broker, and a structure built around your transaction.
Independent commercial loan advisory based in Colorado. We present your transaction to one carefully selected lender at a time — never to a broadcast list. Initial eligibility assessment within two business days.
WHO WE ARE
Aspen was founded in 2019 on a simple observation: capable businesses were being declined not because the deal was bad, but because it did not fit the one program the bank in front of them happened to offer.
A single lender sees your transaction through a single credit box. When it does not fit, the answer is no — and the borrower is rarely told which of the other programs would have worked.
Aspen Commercial Lending is an independent commercial loan broker based in Colorado. We are not a lender and we do not originate. We evaluate your transaction across SBA 7(a), SBA 504, USDA B&I, conventional, and our private capital channel, then place it where it actually fits.
Since then, the model has not changed. Neither has the reason for it.
What We Fund
SBA 7(a)
Working capital, acquisition, equipment, and owner-occupied real estate.
Long-term fixed-rate financing for real estate and major fixed assets.
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SBA 504
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USDA B&I
Rural business and industry lending where conventional terms fall short.
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Five lending programs. $500,000 to $10,000,000, and larger through private capital.
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Conventional
Bank and non-bank commercial credit on standard terms.
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Private capital channel
For transactions that fall outside the four programs above, that cannot wait for them, or that exceed $10,000,000.
Five Paths to Commercial Capital
SBA 7(a) Financing
Flexible, government-guaranteed financing for business acquisitions, partner buy-outs, working capital, and owner-occupied real estate — up to $5 million per loan. Under SBA’s rule effective July 2026, a 7(a) loan can be combined with a separate SBA 504 loan for up to $10 million in total SBA-backed financing.
After a structured internal review, we present your transaction to the single lender whose current credit appetite matches your profile. If that lender delays or declines, we move promptly to the next best-fit institution — one lender at a time, so your timeline never stalls.
$500K - $10M+
GOVERNMENT-GUARANTEED
SBA 504 Fixed-Asset Financing
USDA Business & Industry (B&I)
Government-guaranteed financing for businesses located in eligible rural communities (generally populations under 50,000) — covering real estate, expansion, and equipment for agribusiness and rural enterprise.
Explore the government-guaranteed, conventional, and private capital programs Aspen can evaluate for your transaction.
Conventional Financing
Bank and non-bank commercial mortgages, bridge loans, and credit facilities from $500,000 to $10,000,000 — including investment real estate and multi-family assets that fall outside SBA eligibility.
FIXED ASSETS
RURAL ENTERPRISE
BANK & NON-BANK
LARGER & COMPLEX TRANSACTIONS
Private Capital Desk
For transactions above $10,000,000, complex structures, or accelerated timelines, we arrange senior debt and structured capital through private credit funds and family-office relationships — under the same confidentiality discipline.
Not every deal should be an SBA deal
SBA financing offers lower down payments, longer amortization, and rates that hold. It also carries a document package and a timeline some transactions cannot absorb. A seller who needs to close in three weeks does not care that the 7(a) structure was better on paper.
When speed, asset type, or use of proceeds rules SBA out, we place the transaction conventionally or through the private capital channel. We will tell you which path fits before you commit to either.
Structures we place
Structures and sectors
Bridge
Asset-based
DSCR
Equipment finance
Construction
Sectors we know
Healthcare and medical
Hospitality and restaurants
Fuel and convenience
Franchise
Energy development
Mergers and acquisitions
SBA program combination
Two programs, two ceilings.
The two programs complement each other. Each carries its own $5,000,000 limit, sized independently, so an eligible borrower who closes the 7(a) first can reach $10,000,000 in combined SBA-backed financing.
Program caps, guaranty exposure limits, and sequencing requirements all apply. Reaching the full amount means coordinating two lenders and two closings. That coordination is the work.
SBA program terms, eligibility standards, and lending limits are set by rule and policy notice and change periodically. The descriptions above reflect SBA policy in effect as of August 2026. Confirm current program specifics with Aspen before relying on them in a transaction.
CONFIDENTIAL INITIAL ASSESSMENT
Tell Us About Your Financing Need
Start with the essentials. Documents are deferred until after an engagement conversation.
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TRANSACTION
CONTACT
Step 1: Transaction Overview
What Are You Financing?
Bridge Financing
Short-term capital — typically 6 to 36 months — to close quickly, reposition an asset, or bridge to permanent financing.
Term loans and credit lines to fund growth, inventory, contracts, and day-to-day operating needs.
START WITH YOUR OBJECTIVE
CONVENTIONAL · PRIVATE CAPITAL
Working Capital
Partner Buy-Out
Capital to acquire a co-owner’s equity interest and consolidate control of your company.
Select the use of funds that best matches your transaction. Aspen can assess which program path is most likely to fit.
Real Estate Acquisition
Purchase financing for owner-occupied commercial property and income-producing investment assets.
SBA 7(A) · CONVENTIONAL
SBA 7(A) · CONVENTIONAL
SBA 504 · SBA 7(A) · USDA · CONVENTIONAL
Business Acquisition
Financing for the purchase of an existing business, including goodwill-heavy transactions and change-of-ownership deals.
SBA 7(A) · CONVENTIONAL · PRIVATE CAPITAL
Renovation / Expansion
Financing for building improvements, facility expansions, tenant build-outs, and major equipment upgrades.
SBA 504 · SBA 7(A) · USDA
New Construction
Ground-up construction financing for owner-occupied facilities and commercial development projects.
SBA 504 · CONVENTIONAL · PRIVATE CAPITAL
Land Acquisition & Development
Financing for land purchase and horizontal development in advance of vertical construction.
CONVENTIONAL · PRIVATE CAPITAL
Multi-Family Residential & Mixed-Use
Acquisition, refinance, and construction financing for apartment and mixed-use assets.
CONVENTIONAL · PRIVATE CAPITAL · SBA
ONE LENDER AT A TIME
A Confidential, Three-Step Process
Aspen keeps your transaction focused, protects your financial profile, and maintains forward motion if a lender delays or declines.
STEP 01
Initial Eligibility Assessment
We review the transaction’s purpose, amount, business profile, and financing objectives. Aspen provides an initial eligibility assessment within two business days.
STEP 02
STEP 03
Structured Lender Match
Our internal team evaluates the package against program criteria and current lender appetite, then identifies the best-fit institution for the first presentation.
Sequential Presentation
Your transaction is presented to one carefully selected lender at a time. If that lender delays or declines, Aspen advances promptly to the next best-fit institution.
Success Stories
COMMERCIAL REAL ESTATE DEBT REFINANCE | PARKER, COLORADO
Client's story is one of organic, passion-driven growth — and the institutional roadblocks that often stand between a thriving small business and its next chapter. What began as a hobby in his Santa Fe garage — building cabinets for his own kitchen — quickly became something much larger.
SBA 7(a) COMMERCIAL REAL ESTATE ACQUISITION | SANTA FE, NEW MEXICO
Client is a commercial real estate investor who owned a modern two-unit commercial property in a prime Parker, Colorado location. The property was fully leased and generating $12,000 per month in rental income — a strong asset on paper.
This approach allows Aspen to demonstrate their lending capabilities and customer impact in a way that respects privacy. The modified stories still speak to the types of borrowers Aspen serves and the financing solutions they provide.
Please let me know if this feels like the right balance. I can integrate these versions into the full website copy. And if Aspen decides to pursue formal case studies with willing customers in the future, we can always add those to the site later. The goal is to have compelling examples that potential customers can relate to without overexposing anyone's private information.
Get Started
Whether you're just beginning to explore your financing options or are ready to apply for a loan, we're here to help. Aspen Commercial Lending offers free consultations to assess your needs and identify the best lending solutions.
About Us
Aspen Commercial Lending is a leading provider of commercial real estate and business financing solutions. We specialize in helping small to mid-sized businesses access the capital they need to acquire property, expand operations, or invest in new opportunities. Our team of seasoned lending experts is committed to delivering speed, flexibility and personalized service to every client.
Start with a Confidential Eligibility Conversation
Tell Aspen what you are financing and the capital range you need. Your transaction will be evaluated for the most appropriate program and first lender match.