20+

Years Experience

Loans Originated

Years Combined Leadership Experience

Licensed in Western States

$1B+

50+

5

Your opportunity should not be held back by a one-size-fits-all loan.

Commercial financing can become complicated when the property, timeline, use of funds, or borrower profile does not fit a standard bank box. Aspen Commercial Lending begins with the full picture, then helps identify a financing route suited to the transaction.

A clearer path to capital

• When timing matters

  Explore loan structures that account for your acquisition, refinance, construction, or growth timeline.

• When the deal is complex

  Discuss the property, business performance, collateral, and proposed use of funds before settling on a loan type.

• When you want a real conversation

  Work with professionals who take time to understand the purpose behind the financing request.

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.

What are you preparing to do next?

Built around the objective

Purchase commercial property

Whether the need centers on a property, a project, or the operating business, the right starting point is a clear explanation of the transaction.

Refinance existing debt

Build or renovate a property

Acquire equipment or machinery

Support working capital needs

Acquire or expand a business

What to expect

01

Every request is different, but a clear process makes it easier to evaluate the opportunity and prepare the right information.

Start the conversation

A straightforward path from financing need to next step

Share the business need, property or project, desired loan amount, timing, and intended use of funds.

02

Review the request

Potential financing routes are considered based on eligibility, the asset, business performance, and your objectives.

03

Explore the structure

Aspen reviews the basic scenario and identifies what additional financial or transaction details may be needed.

04

Move toward closing

If a suitable option is available, the request proceeds through documentation, underwriting, approval, and closing.

Responsive review

A focused initial discussion helps clarify the transaction, timeline, and information needed to evaluate possible options.

Core offerings include SBA, conventional, bridge, construction, commercial mortgage, and business term-loan solutions.

Commercial deals rarely look identical. The financing discussion considers the business, property, and intended outcome together.

Borrowers receive direct guidance and a clear point of contact as the request progresses through the financing process.

Multiple lending paths

Flexible thinking

Personal service

More than a loan request. A financing relationship.

Aspen Commercial Lending positions itself as a financing partner for business owners and commercial real estate borrowers who want informed guidance, flexible thinking, and clear communication.

Why Aspen

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. We are licensed to lend in:

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.

About Us

Aspen Commercial Lending is a leading provider of commercial real estate and business financing solutions. With over 20 years of experience, 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 the questions most borrowers ask

What types of financing does Aspen Commercial Lending offer?

Aspen's current core offerings include SBA 7(a) loans, SBA 504 loans, conventional commercial mortgages, bridge loans, construction loans, and business term loans. The most suitable route depends on the use of funds, business profile, property or collateral, timeline, and requested structure.

Can financing be used to purchase or refinance commercial property?

Potentially. Aspen promotes conventional commercial mortgages, SBA financing, bridge loans, and other solutions that may support eligible purchases or refinances. The property type, occupancy, income, loan purpose, borrower qualifications, and lender guidelines all affect availability.

What can an SBA 7(a) loan be used for?

Subject to SBA rules and lender approval, 7(a) proceeds may be used for eligible real estate, working capital, equipment, furniture and fixtures, certain refinances, and complete or partial changes of business ownership. Most 7(a) loans have a maximum loan amount of $5 million, but specific 7(a) programs may have lower limits.

How is an SBA 504 loan different from an SBA 7(a) loan?

SBA 504 financing is generally designed for eligible major fixed assets, such as qualifying real estate and long-term machinery or equipment. It cannot be used for working capital or inventory. SBA 7(a) financing can cover a broader range of eligible business uses, including certain working-capital and acquisition needs.

What information should I prepare for the initial conversation?

Begin with the requested loan amount, use of funds, desired timeline, business history, property or project details, and any current debt involved. Later review may require business and personal financial statements, tax returns, debt schedules, purchase contracts, rent rolls, construction budgets, or other supporting documents.

Frequently asked questions

The answers below are general information only. Actual eligibility, terms, documentation, and timing depend on the specific loan program, borrower, project, and lender.

Is a consultation the same as a loan approval?

No. A consultation is an initial discussion of your financing needs. It is not an approval, commitment, rate lock, or guarantee of funding. Any financing remains subject to a complete application, eligibility review, underwriting, documentation, lender approval, and applicable legal requirements.

How quickly can a commercial loan close?

Timing varies considerably by loan type, transaction complexity, appraisal or third-party reports, document readiness, underwriting, lender review, and SBA involvement where applicable. Aspen can discuss the target timeline after reviewing the basic request, but no closing or funding date can be guaranteed.

Does submitting the consultation form affect my credit?

The consultation form only collects basic information and is not itself a loan application. Ask Aspen what type of credit review may be required before authorizing any credit inquiry. A later application or underwriting process may involve personal or business credit checks, depending on the program and lender.

Ready to explore your commercial financing options?

Bring Aspen the opportunity, the goal, and the timeline. The Capital Desk can help you identify the next information needed.

Free initial consultation