Commercial Real Estate Financing in Colorado and New Mexico

The right property can create new opportunities for your business. The right banking relationship can help you make the most of them.

InBank offers commercial real estate loans in Colorado and New Mexico for business owners, investors and developers looking to buy, build or improve commercial property. Our experienced commercial banking team works with you to understand the property, your business and the bigger picture behind your plans.

And because lending decisions are made locally in Colorado and New Mexico, your opportunity is evaluated by people who understand the markets where you do business.

Talk to a Commercial Banker

01/07

Financing That Fits How You Use the Property

InBank provides commercial real estate financing built around how you plan to use the property and what you want to accomplish.

  • Buy or build your own space

    Finance property for your business and create a long-term home for your operations.

  • Invest in commercial property

    Explore financing for income-producing and investment real estate.

  • Work with a local banking team

    Build a relationship with commercial bankers who understand your business, your property and your market.

  • Get decisions made closer to your business

    Credit decisions are made locally by experienced commercial bankers in Colorado and New Mexico.

  • Connect financing with your broader banking needs

    Bring lending, deposits, treasury management and other financial services together within one banking relationship.

  • Plan beyond the transaction

    Work with a banker who can understand where your business is today and where you want to take it next.

Commercial Real Estate Financing Built Around Your Plans

Commercial real estate financing is rarely just about a building. It may be about gaining more control over your operating costs, expanding into a new market, creating room to grow or adding another property to your portfolio.

InBank works with:

  • Business owners purchasing or building owner-occupied property
  • Commercial real estate investors and landlords
  • Developers and general contractors
  • Physicians, medical practices and other professional businesses
  • Companies that have outgrown their current space
  • Owners considering the acquisition or refinancing of commercial property

Whatever is driving the opportunity, an InBank commercial banker can help you evaluate your financing needs in the context of your broader business goals.

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Commercial Real Estate Loan Options

InBank offers commercial real estate loans and complementary business financing solutions designed to support a range of property and business needs.

Owner-Occupied Commercial Real Estate Loans

Finance commercial property where your business operates, giving you the opportunity to own the space that supports your company.

Investor Real Estate Loans

Financing for commercial properties held for investment or rental income.

Commercial Construction Loans

Financing for ground-up commercial construction and major renovation projects.

SBA 504 Loans

SBA financing designed primarily for eligible owner-occupied commercial real estate and other major fixed assets.

SBA 7(a) and USDA Loans

Financing that may support eligible real estate purchases and other qualifying business needs.

Working Capital Lines of Credit

Flexible access to capital that can help support operating needs alongside your broader growth plans.

Equipment Term Loans

Financing for equipment and other business assets that may be part of an expansion, relocation or new facility.

All loans and lines of credit are subject to credit approval.

Explore Business Lending

02/07

SBA Financing Backed by Local Experts

InBank offers SBA lending solutions, giving eligible businesses access to government-backed financing options alongside a broader commercial banking relationship.

  1. SBA 504 Loans: Designed primarily to support eligible purchases of owner-occupied commercial real estate and major fixed assets.
  2. SBA 7(a) Loans: A flexible SBA lending option that may be used for eligible real estate purchases, equipment, working capital and other qualifying business purposes.
  3. USDA Business Financing: Financing options may also be available for eligible businesses and projects in qualifying rural communities.

Your InBank commercial banker will work with you directly to help determine which financing path may align with your business and project.

SBA loans are subject to eligibility requirements and credit approval.

03/07

Build, Buy or Expand Your Business

InBank offers owner-occupied commercial real estate and construction financing to help businesses invest in the places where they operate.

Whether you are buying an existing property, developing a new facility or making significant improvements to your current space, our commercial bankers take the time to understand how the project fits into your business.

Owning or building your space may give your business the opportunity to:

  • Build equity over time: Turn an operating location into a long-term business asset.
  • Gain more control over your space: Make decisions about your property based on the needs of your business.
  • Create room for what’s next: Plan facilities around future employees, equipment, customers and expansion.

And when the project involves more than real estate, InBank can help you consider equipment financing, working capital and treasury management as part of the broader banking relationship.

All loans and lines of credit are subject to credit approval.

04/07

Investor Real Estate Financing

InBank provides commercial real estate financing for investors looking to acquire, hold or grow income-producing property in Colorado and New Mexico.

Our commercial bankers look beyond the address. We take time to understand the property, your experience, the opportunity and how the transaction fits into your overall portfolio and banking relationship.

Financing may support:

  • Commercial property acquisitions
  • Existing commercial real estate financing needs
  • Portfolio growth
  • Property improvement or repositioning strategies

Whether you are evaluating your next acquisition or reviewing an existing property, start with a conversation with an InBank commercial banker.

All loans and lines of credit are subject to credit approval.

05/07

How Your Commercial Real Estate Loan Is Evaluated

Every commercial real estate opportunity is different. InBank evaluates financing in the context of the property, the business or investment behind it and the overall relationship.

Factors may include:

Factors may include

  • Property type and use: How the property will be used and its role in the business or investment.
  • Business cash flow: The financial strength and cash flow supporting the proposed financing.
  • Your plans for the property: What you are buying, building or improving and what you want the property to accomplish.
  • Your overall banking relationship: How real estate financing fits alongside your operating accounts, treasury needs and other financial priorities.

Local underwriting does not guarantee approval. It means your loan is evaluated in the context of your business by experienced commercial bankers who understand the markets we serve.

06/07

More Than a Commercial Real Estate Loan

A commercial property is only one part of your financial picture. InBank can bring your lending and day-to-day banking needs together through one coordinated relationship.

  • Business Checking: Operating accounts built for the way your business manages money.
  • Treasury Management: Tools and expertise to help manage cash flow, payments, receivables and liquidity.
  • Commercial Purchasing Cards: Purchasing card and expense management solutions designed for growing businesses.
  • Merchant Services: Payment processing solutions that help businesses accept and manage customer payments.
  • InPayables AP Automation: Accounts payable tools designed to simplify payment workflows and improve visibility.
  • Working Capital Lines of Credit: Financing that can provide additional flexibility for ongoing operating needs.

One relationship means your banker can understand more than a single transaction. They can understand how your financing, deposits and treasury needs work together.

Local Underwriting. Local Relationships.

InBank combines commercial banking capabilities with something increasingly difficult to find: decisions made closer to your business.

Decisions Made Closer to Your Business

Lending decisions are made locally in Colorado and New Mexico, not routed to a regional committee. Credit decisions are made locally by experienced commercial bankers who understand the businesses and communities we serve.

Service From a Team That Knows Your Market

Commercial real estate is local. Market conditions, development patterns and business opportunities can look very different from one community to another.

InBank serves businesses throughout Colorado and New Mexico, including Denver, Colorado Springs, Pueblo, Canon City and Trinidad in Colorado as well as Raton, Angel Fire, Cimarron and Springer in New Mexico.

Commercial Banking Expertise Beyond the Property

Our relationship does not have to end when the loan closes. InBank can support your business with commercial lending, business checking, treasury management, payments and other financial solutions as your needs evolve.

Find an InBank Location

07/07

Commercial Real Estate Loan FAQs

  1. 01 What types of commercial real estate loans does InBank offer?

    InBank offers owner-occupied real estate loans, investor real estate loans and construction loans along with SBA financing through INTQ Financial, a division of InBank. Working capital lines of credit and equipment term loans are also available to support broader business needs.

  2. 02 What is the difference between an owner-occupied and investor commercial real estate loan?

    An owner-occupied commercial real estate loan finances property where your business operates. An investor real estate loan is used for commercial property held primarily for rental income or investment purposes.

  3. 03 Does InBank offer SBA loans for commercial real estate?

    Yes. SBA 504 and SBA 7(a) financing is available, subject to eligibility requirements and credit approval. SBA 504 loans are commonly used for eligible owner-occupied real estate and major fixed assets.

  4. 04 Can I finance new commercial construction or a major renovation?

    InBank offers commercial construction loans for eligible ground-up construction and major renovation projects. Depending on your broader needs, equipment financing or working capital may also be considered as part of your banking relationship.

  5. 05 Where does InBank offer commercial real estate loans?

    InBank serves businesses in Colorado and New Mexico, including Denver, Colorado Springs, Pueblo, Canon City and Trinidad in Colorado and Raton, Angel Fire, Cimarron and Springer in New Mexico.

  6. 06 How are commercial lending decisions made at InBank?

    Lending decisions are made locally in Colorado and New Mexico, not routed to a regional committee. This allows experienced commercial bankers to evaluate your financing request in the context of your business and local market.

  7. 07 What do I need to apply for a commercial real estate loan?

    The information required depends on the property and financing request. Business financial information, property details and information about your plans for the property are generally part of the process, and an InBank commercial banker can guide you through the specific requirements.

  8. 08 Can I refinance an existing commercial property?

    Commercial real estate financing needs vary based on the property and borrower. Talk with an InBank commercial banker about your existing property, current financing and business goals to discuss available options.

  9. 09 How do I get started with a commercial real estate loan?

    Start by talking with an InBank commercial banker. We will learn about the property, your business and what you are trying to accomplish, then help you determine the appropriate next steps.

Finance Your Next Commercial Property With a Local Team

Whether you’re buying a building for your business, planning a new development or investing in commercial real estate, you deserve a banking team that understands more than the transaction.

Talk with an InBank commercial banker about your plans and discover what a local banking relationship can bring to your next opportunity.

Talk to a Local InBank Business Banker

Small Business Administration (SBA) collateral and documentation requirements are subject to SBA guidelines.

Owner occupied commercial real estate will be determined in underwriting and requires occupancy by the borrower/guarantor. Please note SBA guidelines require at least 51% occupancy to be considered Owner Occupied. Real Estate financing options are subject to approval and product availability is subject to change. For SBA loans, SBA eligibility and restrictions apply.

Small Business Administration (SBA) financing is subject to approval through the SBA 504 and SBA 7(a) programs. Loan terms, collateral and documentation requirements apply. Actual amortization, rate and extension of credit are subject to necessary credit approval. InBank credit standards and documentation requirements apply. Some restrictions may apply.

INTQ Financial, a Division of InBank