B:Side Capital

This is a financial institution specializing in SBA loans and small business financing solutions. You can find information about loan programs, application processes, and personalized support for your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Typically, they operate Monday through Friday from 9:00 AM to 5:00 PM, but it's best to contact the branch for specific hours.

There are no fees to access basic information, but loan application and processing may involve standard fees and costs associated with SBA loans.

This lender primarily serves small business owners and entrepreneurs, with services available to clients nationwide who meet eligibility requirements.

A minimum personal credit score of around 640 is generally preferred, though higher scores may improve loan terms.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of documentation and loan complexity.

Most banks keep weekday business hours and are closed on weekends, and B:Side Capital typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call B:Side Capital to confirm current weekend availability before you go.

B:Side Capital is located in Colorado — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for B:Side Capital, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by B:Side Capital itself, which runs its own lending under its own ownership. If you work at B:Side Capital, you can claim this listing from this page to manage it.

The core details for B:Side Capital — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with B:Side Capital before applying. If you represent B:Side Capital, claim this listing to keep its information up to date.

You can reach B:Side Capital by phone at (303) 657-0010 or email hello@bside.org. Confirm all details directly with the lender.

Based on its approved SBA loans, B:Side Capital most often finances businesses in restaurants & food service, medical practices & clinics, food manufacturing & processing, automotive repair & services, construction & contractors, and fitness & recreation. This reflects B:Side Capital's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with B:Side Capital which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether B:Side Capital participates in SBA Express depends on its specific SBA lending authority. Contact B:Side Capital and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. B:Side Capital can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. B:Side Capital's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask B:Side Capital directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask B:Side Capital what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask B:Side Capital to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with B:Side Capital to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. B:Side Capital weighs this case by case under its own policy, so be upfront about your history and ask B:Side Capital how it evaluates prior bankruptcies.