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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.
Data compiled from public sources
B:Side Capital and B:Side Fund operate as a mission-driven small business lender headquartered in Denver, Colorado, with additional offices in Utah, Arizona, and New Mexico. The organization has over 35 years of experience supporting entrepreneurs, lenders, and brokers through SBA and responsible capital financing solutions. They position themselves as a non-traditional certified development company focused on expanding access to capital for small business owners who may not qualify for traditional lending.
B:Side offers a comprehensive suite of small business financing products. Their loan range spans from $10,000 to $5.5 million. They specialize in SBA 504 loans and SBA 7(a) loans through partnership with traditional lenders, while also offering proprietary B:Side Fund direct loans. For non-borrowers, they provide B:Side Assist, an AI-powered business platform to help owners improve financial decision-making. They serve three customer segments: business owners seeking growth capital, lenders looking for service provider partnerships and CRA credits, and brokers facilitating commercial real estate and business acquisition financing.
B:Side distinguishes itself through dual designations as a Certified Development Company and Community Development Financial Institution (CDFI), indicating alignment with underserved market lending. Their lender network includes partnerships with regional banks (Timberline Bank, Bank of Colorado, Redstone Bank), and they market responsive service and SBA experience context. The company demonstrates diverse success across industries—their case studies include design studios, coffee shops, yoga studios, CPAs, and transportation services. They also offer multilingual support (Spanish, English, Arabic, Chinese, Dutch, French, German, Italian, Portuguese, Russian) and maintain active lending operations across four western states.
B:Side appears legitimate and operationally credible, with verifiable business addresses, a specific phone line (303.657.0010), and documented lending relationships. However, the website displays placeholder content (interest rates and loan statistics show "0"), suggesting either technical issues or outdated web infrastructure. Prospective borrowers should verify current rates and terms directly. The organization's 35-year track record and CDFI/CDC certifications are genuine differentiators, but borrowers should understand that B:Side often acts as a facilitator rather than sole lender, particularly for SBA products requiring bank partnerships.
This is state-level context for Business Loans consumers in Denver, CO. It does not confirm that B:Side Fund 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.
B:Side Fund offers 12 services including SBA 504 loans for real estate, equipment, and business acquisitions, SBA 7(a) loans for working capital and business expansion, B:Side Fund direct loans (proprietary product for $10K-$5.5M), Lender service provider support for partner banks, Community Reinvestment Act (CRA) credit facilitation, and 7 more.
B:Side Fund has profile signals associated with 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, Commercial real estate purchases and business acquisitions requiring 504 financing, Banks and brokers seeking SBA loan partnerships and CRA credit opportunities.
Key strengths: Dual CDFI and Certified Development Company status indicates commitment to underserved small business markets; Wide loan range ($10K-$5.5M) accommodates startups through established businesses; Established 35-year track record with documented lending across multiple industries. Areas to consider: Website displays significant placeholder content (interest rates, loan counts, and statistics all show "0"), indicating poor web maintenance or outdated information; Limited transparency on specific rates, terms, fees, and approval timelines on public website.
In the Business Loans category, comparable providers include Amerisource Lending Group, 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
B:Side Fund is best suited for small business owners in the Rocky Mountain region seeking SBA or responsible lending products, particularly those underserved by traditional banks. Primary caveat: verify all current rates, terms, and eligibility directly by phone (303.657.0010) or email, as the public website contains placeholder data and does not reflect live loan products.
Independent direct lender specializing in senior debt and equity financing for small to lower-middle market businesses, with $2B+ in capital deployed since 1984.
Profile signals: 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
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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