Lending data
Who actually lends to farms and agricultural businesses in Colorado?
22 SBA 7(a) loans went to farms and agricultural businesses in Colorado recently, at a median of $129,750. Here are the lenders that made them, ranked.
22 SBA 7(a) loans went to farms and agricultural businesses in Colorado in the most recent fiscal years. The median was $129,750 over 10 years. The most active lender was The Huntington National Bank, with 4 loans.
What lending to farms and agricultural businesses in Colorado actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Agriculture and farming, Colorado | All 7(a) borrowers |
|---|---|---|
| Loans approved | 22 | 214,102 |
| Median loan | $129,750 | $150,000 |
| 25th - 75th percentile | $50,000 - $512,125 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 9.62% | 10.25% |
| Share to startups | 18.2% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 2.0% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to farms and agricultural businesses in Colorado. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | 4 | $79,750 | 0% | 9.50% |
| Zions Bank | 4 | $100,000 | 0% | 10.25% |
| First Southwest Bank | 3 | $788,500 | 33% | 9.50% |
| FNB Bank | 2 | $341,250 | 50% | 6.75% |
What stands out in this market
Reading the figures above against the national picture:
- Loans here run smaller than average. The median of $129,750 is 14% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- This is a hard market for new businesses. Only 18% of these loans went to startups, against 34% nationally. If you are pre-revenue, work from the startup table below rather than the main list.
- No single lender dominates, but the top three made 50% of these loans, so the shortlist below covers most of the active market.
- Rates run lower here. The median initial rate of 9.62% is 0.63 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
- This market has performed well. Its FY2010-2019 charge-off rate of 2.0% is below the 7.1% overall figure, which is part of why lenders compete for it.
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Colorado: construction, retail, restaurants and hotels, professional services, personal services, healthcare
- Agriculture in comparable states: Tennessee, New Hampshire, Massachusetts, Nebraska, Arizona, Virginia