Small Business Resources
It’s our mission to help small businesses achieve big dreams
Want some extra help hitting your goals? Our Business Services Program Director, Maria Sanner, is here with an energetic smile, expert guidance, and bilingual services. She loves our community, and is constantly networking to find ways to help our businesses grow.
BUILD Denver Loan Program
Big news for City and County of Denver small businesses! BUILD Denver, a brand new loan program created in partnership with Denver Economic Development & Opportunity (DEDO), will help local entrepreneurs get the business financing they need. This program offers a 4.99% interest rate, flexible terms, and business coaching to help start or grow your business.
Meet Maria
“I help our small business members succeed financially so they can grow and thrive.”
Maria Sanner
Business Services Program Director
Commercial Online Banking
Our online and mobile banking platform has everything a business needs, including payroll, ACH tools, and Quickbooks connectivity.
Getting Started
Document requirements vary by business. See what you’ll need with our checklist!
Community Partners
Rocky Mountain MicroFinance Institute
The Rocky Mountain MicroFinance Institute (RMMFI) is a local nonprofit that helps aspiring entrepreneurs develop, launch, and grow their businesses. They provide a combination of business development and lending services, including classes, workshops, mentoring, and Business Builder loans. Join the hundreds of local entrepreneurs who have launched (or re-launched) their businesses through the Idea, Launch, and Thrive stages of the RMMFI journey.
Mi Casa Resource Center
Mi Casa Resource Center believes in the potential of all people to achieve their educational, professional, and entrepreneurial goals. They educate, train, and support youth and adults on their path to economic success. Mi Casa Resource Center supports local small businesses and entrepreneurs through 1-on-1 business consulting, micro-financing, and business education. Learn more about Mi Casa Resource Center.
Learn more about Mi Casa Resource Center.
Denver Economic Development & Opportunity and Commons on Champa
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The City of Denver’s Office of Economic Development & Opportunity (OED) supports local startups and small businesses to be successful and contribute to the vibrant economy of Denver. Through the OED, business owners and entrepreneurs can find resources for one-on-one consulting, capital, small business lending, and more. At the Commons On Champa, entrepreneurs can find access to work and meeting spaces, event spaces, networking opportunities, and business advisors. To learn more about how the Office of Economic Development & Opportunity and the Commons On Champa can help support you and your business, click one of the links below.
Denver Economic Development & Opportunity
The Commons on Champa
Starting August 1st, the Commons on Champa has one office and few desks available for tenancy.
CO.mmunity Tenancy includes:
- Free 1st floor Innovation Lounge and allocated FREE hours in the large Community Event Space (value: $130/hr)
- Locally roasted coffee
- Business address and mail service
- 24/7 building access with a secure badge system
- Ultra fast Wifi and hardline internet connection
- 6 free hours in downstairs conference rooms per month
- Unlimited huddle rooms and corner conference room access (requires reservation) on 2nd floor
- Denver Economic Development and Opportunity Advisory Hours
- Entrepreneurial events, networking ,and resources- all offered virtually!
- Complimentary hour mentor session with our Downtown Denver Partnership HR expert and other expertise available upon request
- Admission discounts to most Downtown Denver Partnership events
- Cross-promotion of business and business efforts to our greater community
- Feature Commons businesses to our greater Commons and DDP channels
- An incredible community of entrepreneurs, risk takers ,and collaborators to inspire.
The Commons runs on shared ownership. This is an incredible community who has given expertise, time, financially and through volunteerism to build and support our rich entrepreneurial community. Please contact the Commons on Champa if you are interested in sharing your expertise and leading a Power Hour mentorship session or reading a custom-designed session. The Commons on Champa empowers entrepreneurs to master their business and build lifelong relationships through the experience of servant leadership with the top business minds. As entrepreneurs step into their power with community support, the cycle repeats itself ,and together, we create a thriving and better community.
Centennial Lending
Centennial Lending is a credit union service organization. Established more than 20 years ago to meet the residential mortgage and commercial lending needs of our partner credit union’s members, we now provide service to more than 100 credit unions as well as the general public; doing business in nine states.
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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