Bside Capital

What Bside Capital does

Bside Capital is a Colorado-based nonprofit economic development organization that operates as a Certified Development Company (CDC) and Community Development Financial Institution (CDFI), providing SBA 504 and 7(a) loan products alongside mission-driven direct lending to small businesses across the U.S. Western region. Founded in 1990 and headquartered in Denver, the company serves three core customer segments: small business owners seeking capital for real estate, equipment, working capital, and acquisitions; banks and lenders needing a CDC partner to originate SBA 504 loans or Lender Service Provider (LSP) support to process 7(a) loans on their behalf; and commercial real estate and business acquisition brokers who refer clients for SBA financing. Loan sizes range from $10,000 to $5.5 million, with SBA 504 terms available at 10, 20, or 25 years at fixed rates published on the company's website.

The company's product portfolio includes SBA 504 loans (originated as the CDC in partnership with banks), SBA 7(a) loans (processed through the LSP model on behalf of partner banks), B:Side Fund loans (direct lending for borrowers that do not qualify for traditional SBA financing), and B:Side Assist (an AI-powered platform launched in 2025 to help small business owners make financial decisions). Operations are conducted through a regional office network spanning Colorado (Denver headquarters), Utah (Lehi), Arizona (Phoenix), and New Mexico (Santa Fe), with SBA-approved expansion to Utah granted in 2021. Distribution runs through direct lending (B:Side Fund), channel partnerships with banks (504 co-lending), LSP white-label servicing for 7(a) loans, and broker referral networks.

Revenue is generated primarily through transaction fees on SBA 504 loan origination and SBA 7(a) loan processing as an LSP, with secondary interest income from B:Side Fund direct loans. The company markets through content channels including a blog, B:Side University educational platform, social media (LinkedIn, Facebook, Twitter/X, Instagram, Vimeo), and email newsletters, and maintains a network of named lending partners including First Fidelity Bank, Central Bank, First Savings Bank, NBH Bank, FirstBank, Redstone Bank, Timberline Bank, Bank of Colorado, and Points West. As a nonprofit, no public revenue, ownership structure, or investor backing is disclosed in the source material.

Name

Bside Capital

Legal name

B:Side Capital

Website

https://bsidecapital.org

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Bside Capital is a Denver-based nonprofit Certified Development Company and Community Development Financial Institution that originates SBA 504 and 7(a) loans and provides mission-driven direct lending to small businesses across Colorado, Utah, Arizona, and New Mexico, serving SMB borrowers, partner banks, and commercial brokers.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• SBA 504 lending
• SBA 7(a) loans
• Small business financing
• Certified development company
• Community development lending

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. SBA 504 Loan Origination: Fees earned from originating SBA 504 loans as a certified development company, providing long-term fixed-rate financing for small businesses
2. SBA 7(a) Loan Processing: Fees from processing 7(a) loans as Lender Service Provider for partner banks
3. B:Side Fund Loans: Direct lending through mission-driven fund for businesses that may not qualify for traditional SBA financing

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Bside Capital is a nonprofit Certified Development Company that originates and processes SBA 504 and 7(a) loans for small businesses, ranging from $10,000 to $5.5 million for real estate, equipment, working capital, and business acquisitions. It also provides Lender Service Provider (LSP) back-office processing for partner banks, and operates the B:Side Fund mission-driven direct loan program for borrowers that do not qualify for traditional SBA financing.

Product overview

Bside Capital operates as a dual-entity structure consisting of B:Side Capital and B:Side Fund, offering a portfolio of SBA and mission-driven financing solutions. The core offerings include SBA 504 Loans, SBA 7(a) Loans, Lender Service Provider (LSP) Services, and B:Side Fund Loans. The company also provides B:Side Assist, an AI-powered business platform for small business financial management. Together, these products serve small business owners, lenders, and brokers across Colorado, Utah, Arizona, and New Mexico.

Differentiator

Problem solved

Functional benefit

Brands

• B:Side Assist: AI-powered business platform helping small business owners make better financial decisions
• B:Side Fund
• B:Side University

Products and services

• SBA 504 Loans Long-term, fixed-rate SBA 504 financing for small businesses to acquire owner-occupied commercial real estate, purchase equipment, or construct/renovate facilities. Bside acts as the Certified Development Company partnering with banks to deliver the loans.
• SBA 7(a) Loans Flexible SBA 7(a) financing for small businesses covering working capital, equipment purchases, and business acquisitions, processed by Bside with partner banks.
• Lender Service Provider (LSP) Services Back-office SBA 7(a) loan processing, packaging, and compliance service offered to partner banks so they can offer SBA 7(a) loans without building in-house SBA operations.
• B:Side Fund Loans Direct mission-driven loans funded through the B:Side Fund (CDFI) for small businesses that do not qualify for traditional SBA lending, focused on underserved entrepreneurs and community economic development.
• B:Side Assist AI-powered business platform that helps small business owners analyze financial data and make better financial decisions, serving as a borrower-facing decision support tool.

Quantifiable outcome

• Supports small businesses that create jobs and strengthen local economies
• +1 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

Nine partnerships are on record, tiered core.

• First Fidelity BankcoreChannel Partner/ Reseller/ DistributorAward-winning lending partner that works with B:Side on SBA loan programs. Partner testimonial indicates collaborative relationship in providing financing solutions for small business clients.
• Central BankcoreChannel Partner/ Reseller/ DistributorLending partner for SBA loans, featured in B:Side's award-winning lending partners section
• First Savings BankcoreChannel Partner/ Reseller/ DistributorLending partner for SBA loans, featured in B:Side's award-winning lending partners section
• NBH BankcoreChannel Partner/ Reseller/ Distributor2024 Top 7(a) Lender Award recipient; strategic partner for SBA lending with shared commitment to helping small businesses grow
• FirstBankcoreChannel Partner/ Reseller/ DistributorLending partner for SBA loans, featured in B:Side's award-winning lending partners section
• Redstone BankcoreChannel Partner/ Reseller/ DistributorPartner testimonial indicates B:Side provides banks like Redstone resources and expertise necessary to provide SBA loans
• Timberline BankcoreChannel Partner/ Reseller/ DistributorStrategic lending partner with aligned mission to support small businesses through SBA loans and inclusive direct lending
• Bank of ColoradocoreChannel Partner/ Reseller/ DistributorLending partner providing financing structures to help clients realize their goals with B:Side's assistance
• Points WestcoreChannel Partner/ Reseller/ DistributorAwarded Emerging 504 Lender by B:Side Capital in 2024 for growing 504 lending partnership

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• CDC Small Business Finance: One of the largest Certified Development Companies in the U.S., CDC Small Business Finance originates SBA 504 loans with a similar mission-driven focus on underserved SMBs, particularly in California. Directly comparable CDC operating model, product mix, and target customer base.
• Colorado Lending Source: Colorado-based Certified Development Company providing SBA 504 and 7(a) loans to small businesses, directly overlapping B:Side Capital's core market, product set, and CDC operating model.
• Mountain Plains Community Development Corporation: Regional Certified Development Company operating across multiple Mountain West and Plains states providing SBA 504 loans. Directly comparable CDC model with overlapping geography and product offering.

Broad incumbents

• LiftFund: One of the largest CDFIs in the U.S., providing small business loans including SBA products and mission-driven financing across multiple states. Comparable in CDFI structure and SMB mission-lending focus, though materially larger in scale and geographic reach.
• Accion: National CDFI providing small business loans and advisory services to underserved entrepreneurs. Comparable mission-driven SMB lending model, though broader geographic footprint and heavier focus on micro-loans rather than SBA 504/7(a).
• Grameen America: Mission-driven microlender and CDFI providing small-dollar financing to entrepreneurs, particularly women and immigrants. Comparable CDFI structure and underserved-SMB mission, with different loan-size profile.

Regional players

• Pacific Community Ventures: CDFI focused on small business lending and economic development in the Western U.S. Comparable mission-driven model and Western U.S. footprint, though primarily California-based.

Emerging players

• Kiva: Crowdfunded micro-lending platform providing 0% interest loans to small businesses and entrepreneurs. Comparable underserved-SMB focus, though using a peer-to-peer model rather than SBA programs.

Others

• National Association of Development Companies (NADCO): Industry trade association representing Certified Development Companies nationally, including many CDCs comparable to B:Side Capital. Useful ecosystem reference rather than a direct competitor.
• Opportunity Finance Network: National CDFI intermediary and trade association providing capital, policy advocacy, and capacity-building to CDFIs including B:Side Fund. Ecosystem participant rather than direct competitor, but representative of CDFI peers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bside_capital
• YouTubevimeo.com/user103799835
• Facebookfacebook.com/bsidecapital
• LinkedInlinkedin.com/company/bsidecapital
• Instagraminstagram.com/bsidecapital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bside Capital