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The needed bacteria grow best when temperatures are warm but not too warm. A couple of degrees either way is fine, but try to keep the water in this range. You can go as low as 77F (25C). You can do it in a coldwater tank, but it will take longer. Of course, you'll need a water pump system for your fish. More vigorous pumps will help the bacteria grow faster, so if you're in a hurry, pick a pump that moves the water around at a rate of 5 times the amount your tank holds in an hour. For instance, if your tank holds 20 gallons, it should be able to move 100 gallons (380L). The pH level also affects how quickly your tank will mature. Check the pH levels with a pH kit, which works similarly to the ammonia and nitrate kits. You dip a strip into water, and see what color it turns. Then you compare it to a chart. The pH levels should be between 7.5 and 8 for ideal conditions. If you need to make the tank more acidic, you can add peat. If you need to make it more alkaline, you can add mineral salts (such as calcium). It you need to create an acidic tank, use a chemical filter instead of developing bacteria. It takes a few weeks for the bacteria to properly develop in the tank. Be patient. Don't add the fish too soon, as you could end up with "new tank" syndrome. Just keep checking the chemical levels.
Keep the temperature around 85F (29C). Circulate the water. Test the pH level. Add fish after 2 to 4 weeks when the tank is ready.