Bside Capital
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.
- Company typePrivate
- Founded1990
- HeadquartersDenver, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
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.
Bside Capital firmographics
Firmographics- 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
Bside Capital industry classification
Industry- 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
Where Bside Capital is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Bside Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- 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
- SBA 7(a) Loan Processing: Fees from processing 7(a) loans as Lender Service Provider for partner banks
- B:Side Fund Loans: Direct lending through mission-driven fund for businesses that may not qualify for traditional SBA financing
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Small Business Loans ($10K-$5.5M) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels9 records
Bside Capital product offering
Product offeringCore 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
Companies that use Bside Capital
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles3 records
Bside Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature1 record
Bside Capital partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- First Fidelity BankcoreAward-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 BankcoreLending partner for SBA loans, featured in B:Side's award-winning lending partners section
- First Savings BankcoreLending partner for SBA loans, featured in B:Side's award-winning lending partners section
- NBH Bankcore2024 Top 7(a) Lender Award recipient; strategic partner for SBA lending with shared commitment to helping small businesses grow
- FirstBankcoreLending partner for SBA loans, featured in B:Side's award-winning lending partners section
- Redstone BankcorePartner testimonial indicates B:Side provides banks like Redstone resources and expertise necessary to provide SBA loans
- Timberline BankcoreStrategic lending partner with aligned mission to support small businesses through SBA loans and inclusive direct lending
- Bank of ColoradocoreLending partner providing financing structures to help clients realize their goals with B:Side's assistance
- Points WestcoreAwarded Emerging 504 Lender by B:Side Capital in 2024 for growing 504 lending partnership
Scale indicators2 records
Recent moves7 records
Expansion highlights5 records
Bside Capital competitors and assessment
Company assessmentDirect 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
Bside Capital social profiles
Digital presenceBside Capital compliance and trust
Trust signalCompliance2 records
Bside Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bside Capital leadership team
Management profileNumber of profiles
Bside Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bside Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bside Capital 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 Bside Capital
What does Bside Capital do?
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.
Is Bside Capital a public or private company?
Bside Capital is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Bside Capital founded?
Bside Capital was founded in 1990. It employs 11 to 50 people.
Where is Bside Capital based?
Bside Capital is headquartered in Denver, United States, in the North America region.
How does Bside Capital make money?
Three revenue lines are on record. SBA 504 Loan Origination is the primary driver. The others are SBA 7(a) Loan Processing and B:Side Fund Loans.
Who are Bside Capital's main competitors?
Direct peers on record are CDC Small Business Finance, Colorado Lending Source and Mountain Plains Community Development Corporation. Broad incumbents are LiftFund, Accion and Grameen America. Pacific Community Ventures is listed as a regional player. Kiva is listed as an emerging player. Others are National Association of Development Companies (NADCO) and Opportunity Finance Network.
Does Bside Capital have an API?
No public API is recorded for Bside Capital.
What industry is Bside Capital in?
Bside Capital's product category is Small Business 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 52231 and its SIC code is 6162.