Preferred Lending Partners
Preferred Lending Partners is a boutique SBA 504 Certified Development Company founded in 1984 that originates owner-occupied commercial real estate and equipment loans for small businesses in Colorado and Arizona, partnering with banks and credit unions that provide first-lien financing on 50/40/10 deal structures.
- Company typePrivate
- Founded1984
- HeadquartersDenver, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Preferred Lending Partners does
Preferred Lending Partners (PLP) is a privately held Colorado-based limited liability partnership operating as a boutique SBA 504 Certified Development Company. Founded in 1984, the firm originates SBA 504 loans for owner-occupied commercial real estate and equipment financing for small businesses in Colorado and Arizona, working through a channel partner model in which a traditional bank or credit union provides 50% of project cost in first lien position, PLP provides 40% in second lien position, and the borrower contributes 10% equity. The firm posts currently active SBA 504 rates (e.g., 25-year at 6.18%, 20-year at 6.21%, 10-year at 6.21% as of July 2026) and reports a typical SBA approval turn time of 3-5 business days.
PLP offers three core SBA 504 products — Building Finance (owner-occupied commercial real estate, 10/20/25-year terms), Equipment Finance (fixed-rate financing based on asset life), and Refinance (conventional and government-guaranteed debt refinancing) — alongside lender-facing services (eligibility, loan structure, and SBA compliance support) and a small-borrower-facing eight-step financing process from prequalification through funding. Revenue is generated entirely through transaction-based fees: a 2.65% debenture fee on the net debenture, a 0.5% bank participation fee on the first mortgage, and average closing costs of approximately $5,500 per loan, plus a $1,000 closing-fee discount for veteran-owned borrowers under the SBA's Vet Loan Advantage Program.
The company operates with a small team (eight named individuals plus a nine-member board) out of 575 Union Blvd. #202, Lakewood, Colorado. Distribution is exclusively through partner lender relationships, with named channel partners including Wells Fargo, ANB Bank, Bank of Colorado, Integrity Bank and Trust, Seacoast Bank, and Sandy Springs Bank. Marketing is conducted through the corporate website, Constant Contact newsletter, a downloadable SBA Toolbox PDF, and Instagram, with document collection handled via FileInvite. No public revenue, funding rounds, or M&A activity are disclosed.
Preferred Lending Partners firmographics
Firmographics- Name
- Preferred Lending Partners
- Legal name
- Preferred Lending Partners LLP
- Website
- https://preferredlendingpartners.com
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Preferred Lending Partners is a boutique SBA 504 Certified Development Company founded in 1984 that originates owner-occupied commercial real estate and equipment loans for small businesses in Colorado and Arizona, partnering with banks and credit unions that provide first-lien financing on 50/40/10 deal structures.
- Ownership category
- akta.pro rank
Preferred Lending Partners industry classification
Industry- Product category
- Commercial Real Estate Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
- akta.pro secondary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
Keywords
Where Preferred Lending Partners is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Preferred Lending Partners business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- SBA 504 Loan Origination: PLP generates revenue through origination fees on the 40% second lien portion of SBA 504 loans. The standard debenture fee is 2.65% calculated on the net debenture, and a 0.5% bank participation fee is charged on the first mortgage loan amount. All fees are typically financed into the SBA gross debenture.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 25 Year SBA 504 Fixed Rate |
| Transaction based/ take rate | Pay-as-you-go | 20 Year SBA 504 Fixed Rate |
| Transaction based/ take rate | Pay-as-you-go | 25 Year SBA 504 Refinance Rate |
| Transaction based/ take rate | Pay-as-you-go | 20 Year SBA 504 Refinance Rate |
| Transaction based/ take rate | Pay-as-you-go | 10 Year SBA 504 Fixed Rate |
| Transaction based/ take rate | Multi-year contract | Debenture Fees |
| Transaction based/ take rate | Multi-year contract | Bank Participation Fee |
| Other | One time/ perpetual license | Average Closing Costs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Preferred Lending Partners product offering
Product offeringCore offering
Preferred Lending Partners is a boutique SBA 504 certified development company that originates long-term fixed-rate financing for small businesses seeking owner-occupied commercial real estate and equipment. The company partners with traditional banks and credit unions to deliver the standard SBA 504 loan structure: 50% first-lien from the partner lender, 40% second-lien from PLP via the SBA 504 debenture, and 10% equity from the borrower. PLP serves Colorado and Arizona and supports partner lenders with eligibility, structuring, and SBA submission assistance.
Product overview
Preferred Lending Partners is a boutique SBA 504 lender serving Colorado and Arizona since 1984. The company operates a unified SBA 504 loan platform with three core financing products: Building Finance (owner-occupied commercial real estate with 10, 20, or 25-year fixed-rate terms), Equipment Finance (machinery and equipment fixed-rate financing), and Refinance (conventional and government-guaranteed debt refinancing). The company serves two distinct markets: partner lenders (banks and financial institutions needing SBA 504 loan support) and small business owners seeking commercial real estate or equipment financing. The SBA 504 loan structure involves the partner lender providing 50% in first lien position, PLP providing 40% in second lien position, and the borrower contributing 10% equity. Loan servicing actions include deferments, prepayment options, subordinations, guarantor releases, and collateral releases.
Differentiator
Problem solved
Functional benefit
Products and services
- SBA 504 Building Finance Owner-occupied commercial real estate fixed-rate financing for buying, building, or renovating properties. Available in 10, 20, and 25-year term options. Designed for for-profit small businesses occupying the financed real estate.
- SBA 504 Equipment Finance Fixed-rate financing for machinery and equipment, with terms based on the life expectancy of the assets. Structured for small businesses purchasing productive equipment.
- SBA 504 Refinance Refinancing for conventional and government-guaranteed debt on commercial real estate and equipment loans, allowing borrowers to transition into SBA 504 fixed-rate structures.
- SBA 504 Lending Partner Services Services for partner lenders (banks and credit unions) including SBA 504 eligibility assessment, loan structure guidance, and support for all SBA requirements. PLP supplies the 40% second-lien portion while the partner lender supplies 50% first-lien.
- Small Business Owner Financing Assistance End-to-end borrower support through the SBA 504 loan process, including prequalification, lender coordination, underwriting, and closing across an eight-step financing workflow. Includes loan-servicing actions such as deferments, prepayment options, subordinations, guarantor releases, and collateral releases.
Quantifiable outcome
- Typical SBA approval turn time of 3-5 business days
- +2 more outcomes
Companies that use Preferred Lending Partners
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Preferred Lending Partners technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Preferred Lending Partners partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Seacoast BankcoreSeacoast Bank is a partner lender that works with PLP on SBA 504 loans. Vice President SBA Banker III Briana Austin has been working with PLP, praising the team's assistance with loan structure and presentation to SBA.
- Integrity Bank and TrustcoreIntegrity Bank and Trust is a long-term partner lender (10+ years) working with PLP on SBA 504 loans. Senior Vice President, Senior SBA Officer Jackie Gonzalez values PLP's ease of collaboration and attention to detail.
- Bank of ColoradocoreBank of Colorado partnered with PLP on SBA 504 loans. Sr. Vice President Sue Wagner notes PLP's exceptional responsiveness and professionalism in defining partnership in the SBA lending space.
- Sandy Springs BankcoreSandy Springs Bank has used PLP for 10 years as a trusted partner for SBA 504 loans. VP/Business Development Officer George Taylor recommends PLP for their fantastic customer service and reliable quick turn times.
- Wells FargocoreWells Fargo is a partner lender working with PLP on SBA 504 loans. Vice President/Senior SBA Sales Representative Nathan Strohmeyer values PLP's team responsiveness to questions.
- ANB BankcoreANB Bank is a community banking partner of PLP. Community Bank President Abby Tardiff values PLP as a great partner with relationship-based problem solvers that make the SBA 504 process easier.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Preferred Lending Partners competitors and assessment
Company assessmentBroad incumbents
- Newtek Business Services: Public SMB services platform offering SBA 7(a) and 504 lending alongside business banking and payments. Bigger and more diversified, but directly competes for SBA-financed small business borrowers.
- Live Oak Bank: Nationally significant SBA lender with strong SBA 504 and 7(a) origination capabilities. Operates broadly across the U.S. and competes for the same SBA-backed small business borrowers, though at much larger scale.
Direct peers
- Mountain West Small Business Finance: Colorado-based SBA 504 CDC serving small businesses in Colorado and surrounding Mountain West states. Highly comparable as a regional boutique SBA 504 lender competing for the same Colorado deal flow and partner lenders.
- TMC Financing: Direct SBA 504 CDC peer providing owner-occupied commercial real estate and equipment financing with a similar 50/40/10 loan structure. Operates in California, Nevada, and Arizona, overlapping with PLP's Arizona footprint.
- Capital Plus Financial: SBA 504 lender providing owner-occupied commercial real estate financing with a similar 50/40/10 structure. Comparable in product offering and target customer (small business owners seeking CRE financing).
- CDC Small Business Finance: Large SBA 504 CDC and 7(a) lender offering owner-occupied CRE and equipment financing to small businesses in the western U.S. Direct competitor for SBA 504 deal flow in overlapping geographies.
Emerging players
- Accion: Small business lender focused on underserved SMB borrowers, providing SBA microloans and complementary financing. Adjacent to PLP's small business lending mission but with a different product set and broader geographic reach.
- Sunbelt Business Credit: Non-bank small business lender providing SBA-backed and conventional financing to lower middle market companies. Partial overlap with PLP's SBA-backed small business lending focus but reaching up market.
Regional players
- Northern California Financial Development Corporation: SBA 504 CDC serving northern California, offering the same 504 loan structure and partner-lender model. Regionally focused but comparable in CDC operating model and customer base.
- Florida First Capital Finance Corporation: SBA 504 CDC operating in Florida with the same 50/40/10 loan structure and partner bank model. Functions as a regional boutique comparable, though in a different geographic market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Preferred Lending Partners social profiles
Digital presencePreferred Lending Partners financial estimates
Financial estimateRevenue estimate
Valuation estimate
Preferred Lending Partners leadership team
Management profileNumber of profiles
Profiles7 records
Preferred Lending Partners funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Preferred Lending Partners M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Preferred Lending Partners
What does Preferred Lending Partners do?
Preferred Lending Partners is a boutique SBA 504 certified development company that originates long-term fixed-rate financing for small businesses seeking owner-occupied commercial real estate and equipment. The company partners with traditional banks and credit unions to deliver the standard SBA 504 loan structure: 50% first-lien from the partner lender, 40% second-lien from PLP via the SBA 504 debenture, and 10% equity from the borrower. PLP serves Colorado and Arizona and supports partner lenders with eligibility, structuring, and SBA submission assistance.
Is Preferred Lending Partners a public or private company?
Preferred Lending Partners is a private company. It is classified as management employee owned and is currently operating.
When was Preferred Lending Partners founded?
Preferred Lending Partners was founded in 1984. It employs 1 to 10 people.
Where is Preferred Lending Partners based?
Preferred Lending Partners is headquartered in Denver, United States, in the North America region.
How does Preferred Lending Partners make money?
One revenue line is on record: SBA 504 Loan Origination.
Who are Preferred Lending Partners's main competitors?
Broad incumbents on record are Newtek Business Services and Live Oak Bank. Direct peers are Mountain West Small Business Finance, TMC Financing, Capital Plus Financial and CDC Small Business Finance. Emerging players are Accion and Sunbelt Business Credit. Regional players are Northern California Financial Development Corporation and Florida First Capital Finance Corporation.
Does Preferred Lending Partners have an API?
No public API is recorded for Preferred Lending Partners.
What industry is Preferred Lending Partners in?
Preferred Lending Partners's product category is Commercial Real Estate Lending. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans, with a secondary code of FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 522310 and its SIC code is 6163.