SBA 504 Loans

Small Business Administration Loans

Loans up to $5.5 million for a variety of business needs.

The U.S. Small Business Administration (SBA) was created in 1953 to help entrepreneurs secure the resources they need to start, grow, or strengthen their businesses. As a Certified Development Company (CDC) and Lender Service Provider (LSP), B:Side Capital partners with the SBA and lending institutions to make SBA 504 and SBA 7(a) loans more accessible across the communities we serve.

SBA 504 Loans

Commercial Real Estate & Capital Equipment

With over 35 years of experience, B:Side Capital is your premier SBA 504 lending partner. We go the extra mile, from data collection all the way to servicing, helping to educate small business owners and lenders every step of the way.

We proudly serve Colorado, Utah, New Mexico, and Arizona, providing responsible small business lending solutions that support long-term economic growth. Our SBA designations (Priority CDC, ALP, ASM, and PCLP) reflect our commitment to excellence and to getting projects of all shapes and sizes across the finish line.

  • Loan sizes: $25,000 to $5.5 million (SBA portion)
  • Terms: 10, 20, or 25 years
  • Interest Rates: Fixed for the life of the loan, new rates released monthly
  • Buy, build, or renovate commercial real estate
  • Purchase machinery or equipment with a life expectancy of 10+ years
  • Refinance eligible commercial real estate or equipment debt
  • Long-term, below-market, fixed interest rates
  • Up to 90% project financing
  • Lower monthly payments through longer amortization
  • Low 10–20% equity contribution, supporting cash flow
  • No maximum on the lender’s portion of the project
  • Professional fees and interim financing can be included in total project cost (Minor furniture, fixtures, and short-term equipment may be included as well)

Through this unique public-private partnership, SBA 504 loans are financed in part by a bank (50% of the total loan), in part by B:Side Capital on behalf of SBA (up to 40% of the total loan), and in part by the business owner (10%, 15%, or 20% depending on the type of business and if it’s a startup).

SBA 7(a) Loans

General Small Business Loans

As a nationwide Lender Service Provider, B:Side Capital works with banks and credit unions to support their SBA 7(a) lending. We handle the heavy lifting behind the scenes while allowing lending institutions to maintain strong relationships with their clients.

Our partners rely on us for clear communication, transparent pricing, and reliable turnaround times—helping them offer SBA lending confidently and efficiently.

  • Loan sizes: $25,000 to $5 million
  • Terms: Determined by partner lender
  • Interest Rates: based on Wall Street Journal Prime
  • Business acquisitions
  • Business expansion
  • Startup costs
  • Working capital
  • Tenant improvements
  • Commercial real estate purchases or renovations
  • Purchase furniture, fixtures, and equipment
  • Business debt refinance
  • Professional fees
  • Low down payments
  • Long repayment terms
  • Competitive interest rates
  • Suitable for a wide range of business purposes
  • Up to 85% government guaranty
  • Faster processing for loans of $350,000 or less
  • The SBA 7(a) loan program is financed 100% by a lender where the SBA typically provides a 75-85% guarantee.
  • The loan can provide up to 100% project financing.
  • Equity Injection requirements are mostly determined by the lender, except in cases of most business acquisitions, 10% will be required.
SBA Loan Eligibility Overview

Eligibility Requirements for an SBA Loan

Most SBA programs—including the SBA 504 and SBA 7(a) loans—require that:

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The B:Side Difference


When you choose B:Side, you’re not just selecting any CDC or Lender Service Provider. You’re joining a mission-driven organization dedicated to the success of small businesses, leveraging decades of experience, expertise, and a commitment to excellence.