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Colorado Fresh Food Financing Fund (CO4F)

Colorado Housing and Finance Authority
Applications accepted on an ongoing basis

For general questions:
Erin Lyng

For loan inquiries up to $200,000:
Alan Ramirez

For loan inquiries over $200,000:
Tim Dolan


The Colorado Fresh Food Financing Fund (CO4F) provides low-interest loans and a limited number of grants to support activities and businesses that improve access to healthy food retail and remove barriers that prevent Colorado's underserved populations from obtaining healthy food.

Funds can be used for:

  • Business start-up and expansion costs
  • Opening a new store
  • Keeping a store open under new ownership
  • New or upgraded equipment and displays
  • Land assembly
  • Developing an innovative business concept

Although priority will be given to supermarkets, grocery stores, and food delivery systems, innovative methods of delivering healthy food may also be considered. Examples include:

  • Farmers markets
  • Farm stands
  • Mobile processing and delivery units
  • Co-ops
  • Buying clubs
  • Convenience stores and food kiosks
  • Other food delivery systems

Applicants must be a private or public entity or individual with the ability to incur debt, who can demonstrate at least 3 years of retail grocery business experience or other applicable business experience, or can otherwise demonstrate experience and capacity to successfully implement and carry out a viable business enterprise.

Eligible projects must be located in an underserved area that primarily serves a low-to-moderate-income (LMI) community.

Geographic coverage
Amount of funding

Maximum loan: $1,500,000

Organizations that create new retail models and serve difficult-to-reach customers may be awarded up to $50,000 in grant support. Grocery stores and other established food retail models may be offered up to $100,000 in grant support to fill a financing gap.

Loans will be made when conventional financial institutions either do not offer financing, or the conventional financing offered is insufficient or on terms that are a detriment to the feasibility of the project/business. Business operators and site developers will be required to have cash equity at risk in addition to the financing offered in this program.

Application process

A link to the pre-application form is available on the program website.

Completed pre-applications should be emailed to or faxed to 720.638.9089. Program staff will invite applicants to complete full loan or grant applications if selected.

Tagged as
Capital funding · Food security and nutrition · Colorado

For complete information about funding programs, including your application status, please contact funders directly. Summaries are provided for your convenience only. RHIhub does not take part in application processes or monitor application status.