Small Business Loan Program
Access the Capital You Need to Grow Your Business
The Survive & Thrive Small Business Loan Program provides loans up to $50,000, paired with mentorship, education, and community support to help El Paso County businesses scale and create jobs.
Eligibility Requirements:
• Operate primarily in El Paso County
• Employ 50 or fewer employees
• Generate less than $2M in annual revenue
• Have been in operation at least one year
Applications For Summer 2026 Program Due May 1st, 2026.


Small Business Loan Program
Access the Capital You Need to Grow Your Business
The Survive & Thrive Small Business Loan Program provides loans up to $50,000, paired with mentorship, education, and community support to help El Paso County businesses scale and create jobs.
Eligibility Requirements:
• Operate primarily in El Paso County
• Employ 50 or fewer employees
• Generate less than $2M in annual revenue
• Have been in operation at least one year
Applications For Summer 2026 Program Due May 1st, 2026.
Survive & Thrive is Strengthening Our Local Economy
335
$6.1M
$156M
31%
40%
70%
Survive & Thrive is Strengthening Our Local Economy
335
$6.1M
$156M
31%
40%
70%
Built to Support Local Businesses When They Needed It Most
Survive & Thrive began during the COVID-19 pandemic when small businesses across Colorado Springs faced unprecedented financial challenges.
Exponential Impact stepped forward as a financial first responder, distributing $2.3 million in low-interest loans to 132 businesses before federal relief funding arrived.
That early investment generated $156 million in economic impact for the Pikes Peak Region.
Today, Survive & Thrive continues this mission through the Small Business Loan Program, a partnership between Exponential Impact and the City of Colorado Springs, providing capital and growth infrastructure for local entrepreneurs.
We are proud to partner with the City of Colorado Springs.




Built to Support Local Businesses When They Needed It Most
Survive & Thrive began during the COVID-19 pandemic when small businesses across Colorado Springs faced unprecedented financial challenges.
Exponential Impact stepped forward as a financial first responder, distributing $2.3 million in low-interest loans to 132 businesses before federal relief funding arrived.
That early investment generated $156 million in economic impact for the Pikes Peak Region.
Today, Survive & Thrive continues this mission through the Small Business Loan Program, a partnership between Exponential Impact and the City of Colorado Springs, providing capital and growth infrastructure for local entrepreneurs.
We are proud to partner with the City of Colorado Springs.



MORE THAN A LOAN
CAPITAL
Loans designed to bridge the financing gap for small businesses.
EDUCATION
Participants join an 8-week Survive & Thrive growth program focused on leadership, strategy, and financial clarity.
COMMUNITY
Business owners gain access to mentors, peer entrepreneurs, and a powerful support network.

MORE THAN A LOAN
CAPITAL
Loans designed to bridge the financing gap for small businesses.
EDUCATION
Participants join an 8-week Survive & Thrive growth program focused on leadership, strategy, and financial clarity.
COMMUNITY
Business owners gain access to mentors, peer entrepreneurs, and a powerful support network.
Micro Loan
Loan Amount
Up to $10,000
Requirements
- 1+ year in operation
- 6+ months positive cash flow
- Evidence of market demand
- Clear growth plan
Growth Loan
Loan Amount
$10,000 – $50,000
Requirements
- 2+ years in operation
- 12 months profitability
- $75K+ annual revenue
- Financial documentation
Micro Loan
Loan Amount
Up to $10,000
Requirements
- 1+ year in operation
- 6+ months positive cash flow
- Evidence of market demand
- Clear growth plan
Growth Loan
Loan Amount
$10,000 – $50,000
Requirements
- 2+ years in operation
- 12 months profitability
- $75K+ annual revenue
- Financial documentation
This Program is Designed for Businesses That Are Ready to Grow
Your business may be a great fit if you are:
-
Expanding Operations
-
Hiring or retaining employees
-
Scaling an established product or service
-
Pivoting your business model
-
Investing in equipment or infrastructure
Priority Considerations:
-
Growing sales
-
Stable customer base
-
Clear expansion strategy
-
Ability to demonstrate ROI from loan funds
This Program is Designed for Businesses That Are Ready to Grow
Your business may be a great fit if you are:
-
Expanding Operations
-
Hiring or retaining employees
-
Scaling an established product or service
-
Pivoting your business model
-
Investing in equipment or infrastructure
Priority Considerations:
-
- Growing sales
-
- Stable customer base
-
- Clear expansion strategy
-
- Ability to demonstrate ROI from loan funds

BASIC ELIGIBILITY REQUIREMENTS
Businesses must:
- Operate primarily in El Paso County, Colorado
- Employ 50 or fewer employees
- Generate less than $2M in annual revenue
- Have been in operation at least one year

BASIC ELIGIBILITY REQUIREMENTS
Businesses must:
- Operate primarily in El Paso County, Colorado
- Employ 50 or fewer employees
- Generate less than $2M in annual revenue
- Have been in operation at least one year
HOW THE PROCESS WORKS
Step 1
Complete the Pre-Assessment
Step 2
Submit a full loan application
Step 3
Loan committee review
Step 4
Participate in the 8-week Survive & Thrive program
Funds are distributed after program completion.
HOW THE PROCESS WORKS
Step 1
Complete the Pre-Assessment
Step 2
Submit a full loan application
Step 3
Loan committee review
Step 4
Participate in the 8-week Survive & Thrive program
Funds are distributed after program completion.
LOAN DEATAILS
5% Interest Rate
3-Year Repayment Terms
No Collateral Required
No Prepayment Penalties
IMPORTANT NOTE: Survive & Thrive is a small business loan program for El Paso County, not a grant program.
LOAN DEATAILS
5% Interest Rate
3-Year Repayment Terms
No Collateral Required
No Prepayment Penalties
IMPORTANT NOTE: Survive & Thrive is a small business loan program for El Paso County, not a grant program.
WHAT MAKES A STRONG APPLICATION

Tell Your Business Story
Explain your mission,
traction, and impact.

Provide a Clear Funding Plan
Show exactly how the loan will be used and how it will help your business grow.
WHAT MAKES A STRONG APPLICATION

Tell Your Business Story
Explain your mission,
traction, and impact.

Provide a Clear Funding Plan
Show exactly how the loan will be used and how it will help your business grow.
READY TO GROW YOUR BUSINESS?
The Survive & Thrive program helps entrepreneurs in El Paso County, Colorado access the capital, mentorship, and community needed to build stronger companies.
Applications open twice per year.
“This city seems so big that it can make someone feel insignificant. This program brought us together in a way that makes me feel like I belong here.”
-Carlos Gonzalez (Carlos Gonzalez Insurance Agency)
“Community is everything! The people in this program, those of you who put this program together, and everybody who volunteered their time to teach us something to help improve our businesses…it means the world to us!”
-Heather McBroom, CEO – Precision Services
“Thank you for taking a chance on me. It won’t go to waste! The support from Survive & Thrive has been above and beyond what I could ask for.”
– Aleta Rhone, Owner – Rhone River Wellness XI Survive & Thrive 2020
READY TO GROW YOUR BUSINESS?
The Survive & Thrive program helps entrepreneurs in El Paso County, Colorado access the capital, mentorship, and community needed to build stronger companies.
APPLICATIONS OPEN TWICE PER YEAR.
“This city seems so big that it can make someone feel insignificant. This program brought us together in a way that makes me feel like I belong here.”
-Carlos Gonzalez (Carlos Gonzalez Insurance Agency)
“Community is everything! The people in this program, those of you who put this program together, and everybody who volunteered their time to teach us something to help improve our businesses…it means the world to us!”
-Heather McBroom, CEO – Precision Services
“Thank you for taking a chance on me. It won’t go to waste! The support from Survive & Thrive has been above and beyond what I could ask for.”
– Aleta Rhone, Owner – Rhone River Wellness XI Survive & Thrive 2020