CO · Direct

Direct Lending in Colorado.

Summit places direct lending with vetted lenders serving operators across Colorado — from Denver, Colorado Springs, Boulder, Aurora to smaller commercial markets. Front Range construction and professional-services firms use lines of credit and ABL to smooth project-based revenue.

Capital Range
$5M – $500M+
Time to Funding
3 – 5 Weeks
Coverage
All of CO
Overview

Direct Lending for Colorado operators.

Direct lending is non-bank, privately negotiated debt provided to middle-market companies. It bridges the gap between bank syndicated debt and high-yield bonds — typically with tighter covenants, faster execution, and more flexibility on structure than the public markets. Summit arranges senior secured, unitranche, second-lien, holdco, and structured equity-debt hybrids for both sponsor-backed and non-sponsored borrowers.

In Colorado, direct lending demand is concentrated in construction and cannabis-adjacent — sectors where Summit's lender bench has deep underwriting history. We structure deals against Colorado bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Denver, Colorado Springs, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so Colorado operators get institutional execution without local-bank delays.

Best Fit

Who this works for in Colorado.

  • Sponsor-backed leveraged buyouts and acquisition financing
  • Family-owned and founder-led middle-market growth capital
  • Dividend recapitalizations and shareholder liquidity events
  • Refinancing existing bank or unitranche facilities
  • Colorado-based operators in construction, cannabis-adjacent, technology — Summit's most active CO segments.
Typical Terms · CO
Facility Size$5M – $500M+
StructureSenior / Unitranche / 2L / Holdco
PricingSOFR + 450 – 900 bps
Term5 – 7 Years
LeverageUp to 6.0× EBITDA (unitranche)
RecourseNon-Recourse to Sponsor
Qualification
EBITDA$2M+
Revenue$15M+
Business ModelRecurring or Contracted Cash Flow Preferred
Management TeamEstablished, Institutional Quality
Use of ProceedsM&A / Growth / Refinance / Recap
GeographyColorado (CO)
Markets Served · Colorado
DenverColorado SpringsBoulderAurora+ Statewide

Ready to fund your Colorado business?

Same desk. Same execution. Indicative terms within 24 hours.

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