Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Small Business Loans Colorado
Small Business and Commercial Real Estate Loans
Since 1899, we’ve helped southeastern Colorado businesses grow with personalized lending backed by over 125 years of community banking expertise.
- Local decision-making – no corporate bureaucracy
- Agricultural expertise with seasonal cash flow understanding
- FDIC-insured with A+ BBB rating since 2014
Trusted by Southeastern Colorado Families for Over 125 Years
We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.
Business Lending Solutions
Small Business Loans in Colorado
Operating Lines-of-Credit
Access working capital when you need it with flexible credit lines designed for seasonal businesses and cash flow management.Features:
- Draw funds only when needed, pay interest only on what you use
- Better cash flow management during seasonal business cycles
- Flexible repayment terms that match your income timing
- Quick access to approved credit amounts
- Annual review with adjustment options
Typical Terms: Annual review with flexible draw and repayment
Equipment Lease or Purchase
Finance tractors, machinery, vehicles, and business equipment with competitive rates and terms designed for working businesses.Features:
- New and used equipment financing available
- Leasing options to preserve cash flow
- Agricultural and commercial equipment coverage
- Technology and office equipment included
- Competitive rates with flexible terms
Typical Terms: 3-10 years depending on equipment type and useful life
Commercial Real Estate
Finance your business property with competitive rates and local expertise. We understand Colorado real estate markets and work with local appraisers who know your area.Features:
- Local market knowledge means accurate valuations and faster closings
- Commercial property purchases and construction
- Refinancing existing commercial real estate debt
- Owner-occupied and investment properties
- Competitive long-term financing
Typical Terms: 10-30 years with various amortization options
Small Business Loans
Maximize your purchasing power with SBA loan programs and conventional financing that offer competitive terms for qualified businesses.Features:
- SBA loans with government backing and favorable terms
- Conventional business term loans for expansion
- Working capital financing for operational needs
- Debt consolidation options available
- Quick decision-making from local lenders
Typical Terms: 1-10 years based on loan purpose and business needs
Letters of Credit
Support your business transactions with letters of credit for supplier relationships, equipment acquisitions, and trade financing needs.Features:
- Commercial letters of credit for business transactions
- Standby letters of credit for contract requirements
- Supplier payment guarantees and trade financing
- Equipment purchase support and financing assistance
- Customized solutions for specific business needs
Typical Terms: Customized based on transaction requirements
Why Choose Us
Banking with People Who Understand You
Local Connection
As longtime southeastern Colorado residents, we understand the unique challenges facing rural businesses, from agricultural cycles to seasonal tourism patterns.
Local Reputation
Proudly serving Colorado families and businesses since 1899 with the personalized attention that only comes from true community banking.
Agricultural Expertise
We know Colorado agriculture, ranching, and rural business cycles in a way that corporate banks never will. No explanations needed about seasonal cash flows.
Local Challenges
We know southeastern Colorado businesses face unique challenges with commodity markets, weather impacts, and economic cycles that require flexible lending solutions.
Decision-Making Authority
Your loan decisions are made right here in Colorado by people who understand your market, not by algorithms or distant corporate offices.
Relationship Banking
When you call, you'll reach someone who knows your name, your business, and your family. We believe banking should be personal and built on lasting relationships.
Visit Our Home in Fowler – Where Banking Begins
Experience the difference of local banking at its finest. Located in the heart of Fowler, our branch is more than just a bank
Frequently Asked Questions
What documentation do I need for a business loan application?
For most business loan applications, we require:
- Two (2) years most recent tax returns (copies)
- Business Financial Statement
- Retail/Global Cash Flow Analysis
Business and larger loans require us to compile additional documentation in our loan determination process. For your convenience, we have made these documents available for download here. These documents can be completed on your computer and then brought in or faxed to a loan officer to expedite your loan decision.
**Do not email these documents to the bank
How long does the small business loan approval process typically take?
Most small business loan decisions are made within 3-5 business days once we receive complete documentation. For SBA loans, the process typically takes 10-15 business days due to government requirements. Our local decision-making authority means much faster responses than regional or national banks.
What information do you need to get started with a business loan application?
We’ll need three years of business financial statements, personal financial statements for guarantors, business tax returns, and a brief description of how you’ll use the loan proceeds. For agricultural businesses, we also review production history and seasonal cash flow patterns.
Do you work with startups or only established businesses?
We work with both established businesses and qualified startups. For newer businesses, we focus on the business plan, industry experience of the owners, and collateral available. Many of our agricultural lending clients are multi-generational operations, but we also support new entrepreneurs entering farming and rural business.
What makes your commercial real estate loans different from other lenders?
Our commercial real estate loans Colorado are underwritten by people who understand local market conditions. We work with local appraisers and have relationships with commercial real estate professionals throughout southeastern Colorado. This local knowledge often results in more accurate valuations and faster closing times.
What happens if my business needs additional financing later?
As your business grows, we grow with you. Most of our business customers return for additional lines of credit, equipment financing, or real estate loans as their operations expand. Building long-term relationships means we understand your business evolution and can structure future financing accordingly.
Ready to Start Banking With Your Neighbors?
Fill out the form to open your deposit account and experience community banking done right.
Benefits of Banking With Fowler State Bank
- No monthly fees on checking accounts
- Local loan decisions made by people you know
- Personal service from staff who live in your community
Need help? Send us a message!
Have questions about your account, credit, or loan? Send us a message, we’ll get back to you quickly.