Hospitality Loans for Colorado Hoteliers
Whether you’re breaking ground on a mountain resort in Aspen, revitalizing a historic lodge in Telluride, or acquiring a franchise near Denver International Airport, Herring Bank provides customized financing solutions to match your vision.
Types of Hospitality Loans We Offer in Colorado
Conventional Hotel Financing: Acquire existing hotels or resorts in prime Colorado locations, with flexible terms tailored to your investment goals.
Construction Loans: Fund new developments—from luxury ski-in/ski-out properties to urban Denver hotels—covering land purchases, building costs, and infrastructure needs.
Renovation Loans: Refresh aging properties, enhance guest experiences, or align with sustainability trends in Colorado’s competitive hospitality sector.
Refinancing Options: Improve cash flow by restructuring existing debt, securing lower rates, or leveraging equity in high-demand areas like Vail or Colorado Springs.
SBA Loans: Access affordable, government-backed financing with favorable terms, ideal for independent hotels, boutique inns, or mid-sized resorts across the Centennial State.
From financing alpine retreats to supporting downtown Denver projects, Herring Bank is your partner in navigating Colorado’s unique hospitality opportunities.


Why Choose Herring Bank for Hospitality Lending in Colorado?
Local Expertise
With deep insights into Colorado’s hospitality landscape, we specialize in navigating the opportunities and challenges unique to the Centennial State. From bustling urban hubs like Denver’s Union Station district and LoDo to scenic mountain towns such as Breckenridge and Crested Butte, we’re equipped to support projects in high-growth areas like RiNo, Cherry Creek, and emerging destinations across the Rockies.
Competitive Rates
Our hospitality loans feature flexible terms and competitive interest rates tailored to Colorado’s thriving tourism economy. Whether financing a seasonal ski resort or a year-round urban hotel, we structure solutions to align with your financial goals and maximize long-term profitability.
Industry Knowledge
With decades of experience, we’ve financed diverse hospitality ventures—from eco-friendly mountain lodges and ski-in/ski-out resorts to downtown Denver boutique hotels and historic Main Street inns. We understand what it takes to succeed in Colorado’s competitive market, where alpine charm meets urban innovation.
Personalized Support
We prioritize relationships over transactions. Our Colorado-focused team partners with you to craft bespoke financing strategies, addressing unique factors like seasonal demand, sustainability trends, or zoning regulations. From concept to grand opening—and beyond—we’re here to fuel your vision in Colorado’s dynamic hospitality sector.
Whether you’re launching a slope-side retreat in Vail or reimagining a landmark property in Colorado Springs, Herring Bank combines local know-how with tailored solutions to help your business thrive.
How to Apply for Hospitality Lending in Colorado
Step 1: Connect with Our Colorado Hospitality Lending Team
Reach out to our experts specializing in Colorado’s hospitality sector to discuss your vision and financial requirements.
- Phone: (214) 225-3166
- Schedule a Call: Share your availability, and our Colorado-based team will contact you promptly.
Step 2: Prepare Your Project Details
Gather the following documents to expedite your application:
- A business plan outlining your project’s scope, market analysis (e.g., mountain tourism, urban demand), and timelines.
- Financial statements, including cash flow projections that account for seasonal fluctuations (critical for ski resorts or summer destinations).
- Property specifics, such as appraisals, environmental assessments (for mountain or rural projects), or architectural plans.
- Owner financials, including personal statements, if applicable.
Step 3: Submit Your Loan Application
Collaborate with our Colorado lending specialists to finalize your submission:
- Complete a simplified application with support from our team, familiar with local regulations like zoning or sustainability standards.
- Submit all documents for a thorough Colorado-centric review.
Step 4: Loan Evaluation & Approval
Our underwriters will:
- Assess your project’s viability, factoring in Colorado-specific dynamics (e.g., tourism trends, environmental considerations).
- Structure terms that align with your needs, whether financing a Telluride boutique hotel, a Denver adaptive-reuse project, or a Steamboat Springs expansion.
You’ll receive regular updates to ensure transparency and efficiency.
Step 5: Funding & Project Launch
Once approved:
- Funds are released per your agreement’s timeline.
- Deploy capital to execute your project—whether breaking ground on a Breckenridge ski resort, renovating a Boulder historic inn, or acquiring a Grand Lake lodge.


Colorado Hospitality Lending: Key Benefits for Business Owners
1. Mountain & Metro Expertise
We possess in-depth knowledge of Colorado’s diverse hospitality landscape, from Denver’s bustling Union Station district and RiNo’s trendy urban scene to the unique demands of alpine markets like Aspen, Vail, and Telluride. We understand seasonal tourism cycles, mountain-town zoning nuances, and urban redevelopment opportunities.
2. Fast, Flexible Processing
Our team navigates Colorado’s regulatory environment efficiently, accelerating approvals even for complex projects—whether securing permits in Summit County or adapting to Denver’s evolving building codes. Get funded faster to meet tight construction windows or seasonal openings.
3. Customized for Colorado
We design loans tailored to your project’s geography and goals:
- Financing ski-in/ski-out resorts, eco-conscious lodges, or historic Main Street revitalizations.
- Solutions for adaptive-reuse projects in Denver or off-grid glamping sites in the San Juan Mountains.
- Support for sustainability upgrades (solar, water conservation) to align with Colorado’s green initiatives.
4. Rates Built for Altitude
Access competitive rates that reflect Colorado’s robust tourism economy. Our financing balances seasonal cash flow needs with long-term growth, whether you’re expanding a Breckenridge chalet or launching a Boulder boutique hotel.
Why Herring Bank?
We blend local insight with flexible capital, helping you navigate Colorado’s unique opportunities—from securing a slope-side property in Steamboat Springs to transforming a landmark building in Colorado Springs. Let us help you elevate your vision in one of America’s most dynamic hospitality markets.
The Colorado Hospitality Market
Tourism Growth in Colorado
Colorado attracts millions of visitors annually, drawn by its breathtaking natural beauty and year-round recreational opportunities. Iconic destinations like Rocky Mountain National Park, Red Rocks Amphitheatre, and world-class ski resorts such as Aspen and Vail anchor the state’s thriving tourism sector. Major events like the Telluride Film Festival, Denver’s National Western Stock Show, and the Breckenridge International Snow Sculpture Championships further drive demand for hospitality services, ensuring steady growth in lodging, dining, and entertainment.
Prime Locations
Colorado’s diverse geography offers prime investment hotspots for hospitality ventures:
- Urban Centers: Denver’s LoDo (Lower Downtown) and RiNo (River North) districts buzz with cultural attractions, tech hubs, and convention traffic.
- Mountain Destinations: Resorts in Aspen, Vail, and Telluride cater to luxury travelers, while emerging areas like Crested Butte and Steamboat Springs attract adventure seekers.
- Growth Corridors: Colorado Springs’ booming economy and Fort Collins’ blend of academia and outdoor access present untapped potential for boutique hotels and extended-stay properties.
Investment Opportunities
Colorado’s robust economy, fueled by tech innovation, renewable energy initiatives, and a population surge in metro areas, creates a fertile ground for hospitality investments. The state’s dual appeal as a four-season recreational paradise and a hub for sustainable business practices opens doors for:
- Eco-Conscious Developments: Ski resorts with solar-powered lifts, LEED-certified urban hotels, and off-grid glamping sites aligned with Colorado’s green ethos.
- Adaptive-Reuse Projects: Transforming historic buildings in Denver or mining-town structures into boutique lodgings.
- Expansion in Emerging Markets: Capitalizing on growing demand in areas like Durango’s cultural tourism or Grand Junction’s wine country.
With a strong emphasis on sustainability and a reputation for blending outdoor adventure with urban sophistication, Colorado offers investors a dynamic, high-ROI market where hospitality innovation meets natural allure.

Frequently Asked Questions (FAQ) – Hospitality Lending in Colorado
What loan amounts are available for hospitality financing in Colorado?
We offer loans up to $15 million to support projects across Colorado’s diverse hospitality sector. This includes financing for:
- New Construction: Slope-side resorts in Aspen, urban hotels in Denver’s RiNo district, or eco-friendly lodges in Telluride.
- Renovations & Expansions: Upgrading historic properties in Manitou Springs, expanding family-owned resorts in Steamboat Springs, or adding sustainable amenities (e.g., solar arrays, EV charging stations).
- Acquisitions: Purchasing existing hotels in high-demand areas like Vail, Crested Butte, or Colorado Springs.
Can I secure a $15 million loan for a large-scale resort or luxury development?
- Luxury condo-hotels in Aspen or Telluride.
- Landmark renovations in Denver’s Union Station area or Boulder’s Pearl Street.
- Sustainable developments meeting Colorado’s strict green building codes (e.g., net-zero energy lodges near Breckenridge).
- Ski-in/ski-out resorts with premium amenities in Winter Park or Keystone.
How does Herring Bank’s local expertise benefit larger projects?
We understand Colorado’s unique challenges and opportunities:
- Mountain Logistics: Navigating terrain, permits, and seasonal construction windows for alpine projects.
- Urban Zoning: Expertise in Denver’s evolving building codes or adaptive-reuse permits for historic structures.
- Sustainability Compliance: Aligning projects with Colorado’s energy efficiency standards or water conservation mandates.
What collateral is required for loans up to $15 million?
Collateral varies but often includes:
- The hospitality property itself (e.g., land, buildings, or resort infrastructure like ski lifts).
- Business assets (e.g., equipment, franchise agreements).
- Personal guarantees for smaller businesses or independent owners.
For larger loans, we may require additional security, such as equity in related assets or phased disbursements tied to project milestones.
Can I use a $15 million loan for mixed-use developments?
Yes. Many Colorado projects blend hospitality with retail, dining, or residential spaces. Examples include:
- Denver’s RiNo District: Hotels with ground-floor breweries or coworking spaces.
- Mountain Towns: Resorts integrating condos, spas, and adventure outfitters.
Are there specific terms for ski resorts or seasonal businesses?
Yes. We structure loans to align with Colorado’s tourism cycles:
- Seasonal Repayment Flexibility: Lower payments during off-peak months for ski or summer destinations.
- Construction Timelines: Funding phased to match weather-dependent builds (e.g., completing roofs before snowfall).
Do you finance adaptive-reuse projects with historic elements?
Absolutely. Colorado’s rich history creates opportunities to transform:
- Old Mining Buildings into boutique hotels (e.g., Silverton, Leadville).
- Denver Warehouses into trendy urban lodgings.
- Railroad Structures into themed inns near Durango’s historic narrow-gauge railway.
What about environmental or zoning hurdles for large projects?
Our team helps navigate:
- Mountain County Permits: Addressing wildfire mitigation, wildlife corridors, or water rights.
- Urban Sustainability Rules: Meeting Denver’s energy benchmarks or stormwater regulations.
- Historic Preservation Guidelines: Balancing modernization with heritage compliance.
Why choose Herring Bank for high-value hospitality loans in Colorado?
- Local Insight: We know what works in Colorado, from financing Telluride’s boutique market to Denver’s convention-driven demand.
- Speed & Flexibility: Streamlined approvals, even for complex projects in remote areas like Ouray or remote glamping sites.
- Long-Term Partnerships: We support your growth beyond funding, offering insights on tourism trends, state grants, or tax incentives.
Ready to discuss your $15 million project?
Call our Colorado lending team at (214) 225-3166 or schedule a consultation to explore how we can fuel your vision—from the Front Range to the Rockies.
Get Expert-Backed Hotel Financing in Colorado
From ground-up construction to refinancing, Herring Bank delivers flexible financial solutions tailored to Colorado’s hotel owners and developers.
Whether you’re breaking ground on a luxury ski resort in Aspen, revitalizing a historic lodge in Telluride, or refinancing an existing property in Denver to secure better terms, we provide customized financing designed to meet the unique needs of Colorado’s hospitality industry.
From mountain retreats to urban boutique hotels, we’re here to help you navigate Colorado’s dynamic hospitality market and bring your vision to life.