Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Colorado. Current commercial loan rates in Colorado range from 4.8% to 12.75%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of CO.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.
Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.
Colorado’s commercial lending market is active but increasingly selective. Lenders remain interested in the state’s long-term growth and quality-of-life fundamentals, but underwriting has tightened, with greater emphasis on cash-flow durability, expense control, and exit liquidity. The difference between financeable and non-financeable assets has widened, particularly in higher-cost Front Range markets.
Industrial and logistics assets along the Front Range (Denver, Aurora, Colorado Springs, and north toward Fort Collins) remain the most lender-friendly property type. Modern facilities with strong tenant demand and longer lease terms underwrite best.
Owner-occupied properties are consistently attractive to banks and credit unions, especially when the operating business has stable historical cash flow and experienced ownership.
Stabilized multifamily can finance when operations are clean and well-documented. Workforce and mid-market housing often underwrite better than luxury Class A properties in oversupplied submarkets.
Service-based and necessity retail (medical, grocery-adjacent, local services) remain financeable when occupancy and tenant quality are strong.
Office is the most challenged asset class, particularly in Downtown Denver and suburban office corridors. Elevated vacancy and slower leasing have pushed lenders toward lower leverage and stricter terms.
Value-add and transitional deals face heavier scrutiny. Lenders discount projected rent growth and often require more equity, larger reserves, and stronger guarantor liquidity.
New-construction multifamily is underwritten cautiously due to recent supply pressure and slower rent growth in some Front Range submarkets.
Denver Metro: Deepest lender pool in the state, but also the most data-driven and conservative underwriting environment, especially for office and high-priced multifamily assets.
Colorado Springs: Viewed as more affordable and stable, with better lender appetite for owner-occupied, industrial, and workforce housing.
Northern Colorado (Fort Collins, Greeley): Lenders focus on tenant durability and sponsor experience, often capping leverage slightly lower than Denver.
Mountain resort markets: Financing is highly selective. Lenders closely examine seasonality, operating volatility, and exit liquidity, typically requiring lower leverage and higher reserves.
Regional and national banks are active but conservative, often favoring relationship-driven borrowers and lower-risk asset types.
Credit unions can be competitive on owner-occupied and smaller-balance loans.
Life companies and institutional lenders focus on large, stabilized assets with long-term income visibility.
Debt funds and non-bank lenders fill gaps for transitional deals or higher leverage needs, usually at higher cost.
Expense sensitivity is high. Insurance, labor, utilities, and maintenance costs are stressed upward in lender models.
Environmental and zoning considerations (water rights, land-use restrictions, wildfire exposure in some areas) are carefully reviewed.
Sponsor liquidity and experience carry significant weight, particularly in higher-priced or seasonal markets.
A strong Colorado loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals built on aggressive rent growth or short-term exit assumptions tend to struggle.
Colorado is a capital-available but underwriting-driven market. Industrial and owner-occupied deals are the easiest paths to financing, while office, value-add, and resort-oriented assets face tighter terms.
We are proud to be serving the state of Colorado. Here are our commercial loan statistics for this state.
75
Commercial loan direct provides services in the following Colorado cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Colorado economic reports to get a better understanding of your market.
Get a free commercial loan quote. This process does not affect your credit score.
What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
We found an account with the email address you provided. Let's get you logged in by putting your password below.