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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

Businesses Supported

$6.1M

Funding Distributed

$156M

Regional Economic Impact

31%

Businesses Grow Revenue

40%

Businesses Add or Strengthen Jobs

70%

Leave With Stronger Business Skills

Survive & Thrive is Strengthening Our Local Economy


335

Businesses Supported

$6.1M

Funding Distributed

$156M

Regional Economic Impact

31%

Businesses Grow Revenue

40%

Businesses Add or Strengthen Jobs

70%

Leave With Stronger Business Skills

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

Best for early-stage businesses building traction.

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

Best for established businesses ready to scale.

Loan Amount

$10,000 – $50,000

Requirements

  • 2+ years in operation
  • 12 months profitability
  • $75K+ annual revenue
  • Financial documentation

Micro Loan

Best for early-stage businesses building traction.

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

Best for established businesses ready to scale.

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