COLORADO · NAICS NAICS 484, 4885, 4931 families
Colorado trucking and logistics projects ride the I-70 mountain corridor and the I-25 Front Range spine, with specialized freight lanes serving the Mountain West. Studies translate rate per mile, fuel, utilization, and contract concentration into projections, and reconcile equipment, real estate, and working capital structures against coverage under stress.
FEASIBILITY TRIGGER
Trucking and logistics deals carry projection-sensitive underwriting; rate per mile, fuel, and contract concentration must be stress-tested.
SBA 7(a) and 504 lenders funded 392 trucking and logistics projects across Colorado between FY2010 and FY2026, moving $144.6 million in approved capital at an average ticket of $369,000. That volume places Colorado at #18 of 38 states measured for trucking and logistics SBA activity, or 1.6% of national trucking and logistics dollars. The 7(a) program carried 94.1% of the loan count, with 504 taking the balance, and 67 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 392 |
| Approved volume | $144.6 million |
| Average loan size | $369,000 |
| 7(a) share | 94.1% |
| Approvals since FY2024 | 67 |
| State rank by loan count | #18 of 38 |
Among the 275 seasoned loans in this segment (approvals FY2010–FY2021), 9.1% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, against 7.3% across all industries. That is broadly in line with the national benchmark for this asset class.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 9.1%, close to the national trucking and logistics benchmark of 9.2%, puts Colorado deals in this class on ordinary SBA credit footing. Across 392 loans averaging $369,000, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Colorado trucking and logistics project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Colorado projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, decisive in a state where Front Range land costs run high. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The I-70 mountain corridor and the I-25 Front Range spine make Colorado the freight hinge of the Mountain West.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
Compare neighboring markets: California, Connecticut, Texas.
Public SBA and CDC program records, cited as program evidence
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Land purchase and 19,200 square foot facility with 50 jobs relocated, national program evidence
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