INDEPENDENT COMMERCIAL LOAN ADVISORY
Commercial Capital, Placed with Precision. Executed with Discretion.
Aspen Commercial Lending arranges $500,000 to $10,000,000 in SBA 7(a), SBA 504, USDA, and conventional financing — with larger transactions structured through our Private Capital Desk. One best-fit lender. No shotgun submissions. Your financials stay confidential.
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.
NEW FOR 2026
Under the SBA rule effective July 4, 2026, eligible borrowers may combine SBA 7(a) and SBA 504 financing for up to $10,000,000 in total SBA-backed funding. Individual program limits still apply, and all financing remains subject to lender approval and SBA eligibility.
Why Borrowers Choose a Discreet Broker
Your Data Stays Private
We never sell, distribute, or shotgun your financial statements across lender lists or public bidding platforms. Your information is reviewed only by our internal advisory team.
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.
A MORE DELIBERATE APPROACH
01
One Best-Fit Lender First
02
Direct Executive Access
We bypass public intake queues. Your package is presented directly to lending decision-makers with whom we hold long-standing relationships.
03
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.
CONFIDENTIAL INITIAL ASSESSMENT
Tell Us About Your Financing Need
Start with the essentials. Documents are deferred until after an engagement conversation.
1
2
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.