Commercial Real Estate Loans for Investors Now

GHC Funding
GHC Funding
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Published: November 9, 2025
Updated: November 12, 2025
Categories: colorado
Reading Time: 5 minutes read

Commercial Real Estate Loans in Colorado: 2025 Investors Guide

The Colorado commercial real estate (CRE) market is thriving in 2025, driven by dynamic growth across Denver, Colorado Springs, Boulder, Fort Collins, Aspen, and Greeley. Commercial property investors are seeking strategic financing solutions to seize opportunities in multifamily, office, retail, and industrial spaces. In this comprehensive guide, we explore multifamily financing in Colorado—including current rates, terms, lenders, market insights, and proven strategies for approval and success.

In this article...

2025 Colorado CRE Market Snapshot

  • Denver Tech Center (DTC): Continues as a magnet for office and multifamily developments.
  • Boulder: High demand for student housing and science/tech commercial space near CU Boulder and Pearl Street.
  • Colorado Springs: Logistics and healthcare-related properties see strong performance along Powers Boulevard.
  • Fort Collins: Multifamily investments near Old Town and CSU flourish.
  • Aspen: Resort/hospitality and mixed-use retail remain attractive to developers.
  • Greeley: Light industrial and agricultural processing facilities expand rapidly on the city’s north side.
  • Golden: Redevelopment opportunities for mixed commercial and residential portfolios.
  • Cherry Creek (Denver): Class-A retail and multifamily developments command premium rents.

Multifamily Financing: The Leading CRE Loan in Colorado for 2025

With sustained population growth and ongoing demand for rental properties, multifamily financing is at the forefront of CRE lending in Colorado in 2025. Financing options range from agency and bank loans to non-bank and bridge credit—tailored to both stabilized assets and value-add or new construction projects.

Key Multifamily Loan Types:

  • Agency Loans (Fannie Mae, Freddie Mac): Low rates, non-recourse, favorable amortization.
  • Bank & Credit Union Loans: Flexible for local/regional projects, competitive terms for stabilized and transitional assets.
  • Bridge Loans: Transitional financing for value-add, rehab, or lease-up properties.
  • HUD/FHA Loans: High leverage and long-term fixed rates for affordable or workforce housing.

Typical 2025 Loan Terms in Colorado

Loan Type Loan Amount Term Rates (as of Q2 2025) LTV
Agency Multifamily $1M – $20M+ 5-30 yrs 5.25% – 6.10% Up to 80%
Bank/Local Lending $500K – $10M 5-10 yrs 5.00% – 6.75% Up to 75%
Bridge Financing $1M – $15M 1-3 yrs 7.25% – 9.50% Up to 80%
HUD/FHA $2M – $30M+ 35 yrs 4.60% – 5.20% Up to 85%

Top Colorado Multifamily and Commercial Real Estate Lenders (2025)

  1. KeyBank Real Estate Capital (Denver) – Major agency multifamily and mixed-use loan originator, robust local underwriting team.
  2. FirstBank – Leading state-local bank known for hands-on sponsor relationships and ground-up multifamily loans.
  3. BOK Financial – Competitive rates for stabilized, value-add, hospitality, and retail loans statewide.
  4. CBRE Capital Markets – Access to national and international debt funds, including CMBS and bridge programs.
  5. Vectra Bank Colorado – Favors middle-market property financing and supports development projects.
  6. Berkadia (Denver) – High-volume Fannie/Freddie and HUD lender for large multifamily deals.

Step-by-Step Application Process: Colorado Multifamily CRE Loans (2025)

  1. Pre-Qualification:

    Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

    ⚡ Key Flexible Funding Options:

    GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

    Top Pick

    DSCR Rental Loan

    Best for: Scaling rental portfolios
    ★★★★★ 4.8/5 (120 reviews)
    Starting rate~7–9%+
    Loan amounts$100K – $5M+
    Term30 yr fixed / ARMs
    Highlights
    • No tax returns required
    • Qualify using rental income (DSCR-based)
    • Fast closings ~3–4 weeks
    Check DSCR Rates

    SBA 7(a) Loan

    Best for: Owner-occupied commercial real estate
    ★★★★★ 4.6/5 (89 reviews)
    RatePrime + spread
    Loan amounts$350K – $5M+
    TermUp to 25 years
    Highlights
    • Lower down payments vs banks
    • Long amortization improves cash flow
    • Good if your business occupies 51%+
    Explore SBA Options

    Bridge Loan

    Best for: Fast closing + value-add deals
    ★★★★☆ 4.4/5 (72 reviews)
    RateVaries by deal
    Loan amounts$250K – $15M+
    Term6–24 months
    Highlights
    • Close quickly — move on opportunities
    • Flexible underwriting
    • Great for value-add or transitional assets
    Talk to a Specialist
    Low Rates

    SBA 504 Loan

    Best for: Large CRE acquisitions & refinancing
    ★★★★★ 4.7/5 (101 reviews)
    RateFixed, low CDC rate
    Loan amounts$500K – $12M+
    Term10, 20, 25 years
    Highlights
    • Low fixed rates through CDC portion
    • Great for construction, expansion, fixed assets
    • Often lower down payment than bank loans
    Check 504 Eligibility

    🌐 Learn More

    For details on GHC Funding's specific products and to start an application, please visit our homepage:

    GHC Funding Homepage

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    • Gather financial statements, property details, rent roll, trailing 12-months operating history, resumes of key principals.
    • Initial discussion with lender or broker regarding loan size, type, asset, and location.
  2. Loan Proposal & Term Sheet:

    • Lender provides indicative terms (rates, amortization, recourse, closing timeframe).
    • Negotiate key deal terms, submit a written Letter of Intent (LOI) or application fee.
  3. Due Diligence:

    • Appraisal ordered by lender, Phase I environmental, property inspections, background checks, review of operating statements.
  4. Commitment and Underwriting:

    • Final commitment letter issued; legal, title, and insurance review.
    • Borrower deposits earnest money.
  5. Closing:

    • Loan documents executed, funds disbursed, title transferred if purchase.
    • New loan recorded with local authorities.

Colorado Success Stories: Commercial Multifamily Financing in Action (2025)

1. Cherry Creek Multifamily Acquisition

Deal: .9 million Fannie Mae DUS loan, 10-year fixed at 5.72%, 75% LTV for a 32-unit Class-A complex. Borrower achieved 45-day closing leveraging seasoned property management track record and strong cash flow.

2. Fort Collins Student Housing Refinance

Deal: .6 million Freddie Mac SBL, 12-year term, 30-year amortization at 5.35%, cash-out refinance supporting value-add upgrades near CSU.

3. Denver Tech Center Value-Add Project

Deal: .2 million bridge loan from BOK Financial, 24-month interest-only at 8.3%, 77% LTV. Funds acquired to renovate an underperforming 40-unit property, repositioned into luxury multifamily rentals.

4. Aspen Workforce Housing Construction

Deal: $6.1 million HUD 221(d)(4) construction-to-perm loan at 4.85%, 40-year term, 85% LTC. Project delivered much-needed affordable units for local employees.

Expert Tips for Colorado CRE Loan Approval in 2025

  • Strong Sponsorship: Lenders in Colorado look for experienced borrowers with proven management and liquidity.
  • Clean Environmental & Title Reports: Due diligence must account for Colorado’s historic mining and water rights issues.
  • Documented Rent Growth: Markets like Denver and Boulder expect NOI to support aggressive loan proceeds.
  • Energy-Efficient Investments: Green and sustainable features may qualify projects for improved loan terms and eligibility with certain lenders.

Frequently Asked Questions

  • What are 2025 multifamily loan rates in Colorado? Rates typically range 5.00%–6.25% depending on loan type, location, and sponsorship.
  • How fast is the commercial loan approval process? Bank and agency loans: 45–60 days. Bridge: as quick as 21–30 days.
  • Minimum loan size? Leading lenders usually require $500,000+ for multifamily mortgages.
  • Best cities for investment? Denver, Boulder, Fort Collins, Colorado Springs, Aspen, Greeley.

Conclusion: Ready to Grow Your Colorado CRE Portfolio?

Colorado’s 2025 commercial real estate environment offers robust opportunities, especially for multifamily and mixed-use property investors. Leveraging the right financing partner—whether a local bank, national agency lender, or CRE-focused broker—can help you secure optimal terms and maximize your returns. Connect with a Colorado CRE financing specialist today and take the next step toward successful investment!

Get a No Obligation Quote Today.


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GHC Funding DSCR, SBA & Bridge Loans
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