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Independent direct lender specializing in senior debt and equity financing for small to lower-middle market businesses, with $2B+ in capital deployed since 1984.
Data compiled from public sources
Amerisource Lending Group was founded in 1984 and has established itself as a leading independent direct lender focused on the small and lower-middle market business segment. Over nearly 40 years, the company has deployed more than $2 billion in capital to over 1,600 U.S. and Canadian companies, demonstrating significant scale and longevity in the direct lending space.
The company offers senior debt and equity financing solutions designed for growth capital, turnaround situations, and special circumstances. Their loan portfolio includes asset-based lending (ABL) facilities, senior credit facilities, and real estate financing. Loan sizes range from $2.5 million to $7.5 million based on recent deal announcements, with the company advertising capacity to meet credit needs up to $25 million. They structure financing for diverse industries including manufacturing, commercial printing, and distribution.
Amerisource distinguishes itself through experience context in complex lending situations and creative financial structuring. Their positioning as an "independent direct lender" suggests they originate and underwrite deals directly rather than serving as brokers or intermediaries. The company emphasizes their ability to deliver "creative structures that maximize liquidity" for clients, indicating flexibility beyond standardized loan products.
As a direct lender for established small-to-mid-market businesses, Amerisource is best suited for companies with established operations and revenue rather than startups. Borrowers should expect this to be a relationship-based, non-automated lending process with longer underwriting timelines typical of complex commercial lending. The minimum loan sizes ($2.5M+) indicate this is not appropriate for micro-businesses or very small enterprises.
This is state-level context for Business Loans consumers in Denver, CO. It does not confirm that Amerisource Lending Group or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Status: Permitted
Rate context: 12% APR (Colorado Uniform Consumer Credit Code general usury cap); licensed lenders may charge higher rates with state supervision
Governed by Colorado Uniform Consumer Credit Code (C.R.S. § 5-3.1-101 et seq.). Supervised lenders licensed by Division of Banking may exceed the 12% usury cap.
Status: Permitted
Rate context: 12% APR general cap (C.R.S. § 5-3.1-102); supervised lenders may charge higher rates with state authorization
Installment loans are governed by the Colorado Uniform Consumer Credit Code (C.R.S. § 5-3.1-101 et seq.). Licensed supervised lenders may charge rates above the 12% usury cap with Division of Banking approval.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Amerisource Lending Group offers 10 services including Senior debt financing for growth capital, Asset-based lending (ABL) facilities, Equipment and commercial property financing, Equity investment and co-investment structures, Turnaround and restructuring financing, and 5 more.
Amerisource Lending Group has profile signals associated with Established small-to-mid-market manufacturing and distribution companies seeking $2.5M-$25M in financing, Businesses in turnaround situations or special circumstances requiring creative financing structures, Companies with strong revenue and operations seeking asset-based lending (ABL) or senior debt facilities, Real estate-backed businesses or commercial enterprises with tangible assets to collateralize.
Key strengths: Substantial capital base of $2+ billion deployed over nearly 40 years demonstrates stability and track record; Higher loan capacity up to $25 million accommodates growth and expansion needs of mid-market companies; Direct lender model means no broker intermediaries and potentially more direct negotiation of terms. Areas to consider: Minimum loan amounts of $2.5-$7.5 million eliminate access for small businesses under $2 million in financing needs; No pricing, APR, or fee information publicly disclosed on website—borrowers cannot compare rates.
In the Business Loans category, comparable providers include B:Side Fund, Rocky Mountain Micro Finance, SMALL BUSINESS LOANS DENVER. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Amerisource is profile signals for established small-to-mid-market businesses with $2.5M+ financing needs, strong operations, and situations requiring structured or creative lending solutions. The primary caveat is that minimum loan sizes and direct lender complexity make this unsuitable for startups or businesses seeking under $2 million, and lack of listed pricing requires direct outreach for rate and term comparison.
B:Side Fund is a certified development company and CDFI offering SBA 504/7(a) loans and direct lending to small businesses from $10K-$5.5M, with 35+ years serving entrepreneurs and lenders.
Profile signals: Small business owners in Colorado, Utah, Arizona, or New Mexico seeking SBA loans or mission-driven lending, Entrepreneurs in underserved communities or with limited traditional lending access
RMMFI is a Colorado-based CDFI offering microloans, grants, business training, and mentorship to underserved entrepreneurs since 2008.
Profile signals: Low-income and BIPOC entrepreneurs lacking access to traditional bank business loans, First-time business owners in Colorado needing structured guidance, mentorship, and community support alongside capital
CSI Financial division offering small business loans from $100K–$5M to Denver-area B2B companies in manufacturing, wholesale, and distribution with flexible underwriting.
Profile signals: Established B2B manufacturing, wholesale, and distribution companies in Colorado with $1M–$50M annual revenue needing growth or working capital, Profitable businesses with strong cash flow but limited traditional collateral or equity that banks have rejected
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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