Capital CDC: Serving all of Texas and New Mexico

Capital CDC Services

Loan Program

Find out how the SBA 504 Loan Program assists small business owners.

Find a Loan Officer

Find a business development officer that's on the ground where you are.

Interest Rates

See current and historical interest rates for SBA 504 loans.

Resources for Borrowers

Tools and testimonials to help borrowers understand the power of SBA 504.

For Lenders & Brokers

Capital CDC can help connect you with qualified and successful businesses.

Forms & FAQ

SBA 504 Loans are easy to apply for. Here are the forms to help you get started.

What's right for your business?

Owning rather than leasing your commercial property can really pay off. For many small businesses, a monthly mortgage payment can be the same or less than a lease payment. And your SBA 504 fixed-rate loan payment won't increase annually - like your lease rate will. Owning, of course, also helps boost your equity, and the SBA 504 needs just a minimal down payment.

If you’re a healthy business whose expansion plans call for the investment and use of real estate or equipment, you may qualify for 90% financing through the SBA 504 Loan Program. If you are a start-up business, you can still qualify for an SBA 504 Loan for 85% financing.

Tools for Existing Borrowers
Change Automatic Payment
Get My Balance
Change Mailing Address
Pre-payment Information
Wiring Instructions for missed payments
Insurance / Financial Information

Please click the link above which best describes your question.

Capital CDC will help you from start to finish. Our professional team will work directly with you to tailor a financing package that meets program guidelines and the credit criteria of your business.

Capital CDC is organized to assist in financing growth through investments that help businesses become more competitive in the marketplace. Our task is to package, process, close and service the 504 loan.

Advantages of 504 over Conventional Financing
Low Down Payment as little as 10%	Allows you to preserve your working capital. Most banks will lend only 70-80% of the appraised value of the project, but with a SBA 504 loan you can finance as much as 90%.
Fixed Rate on the SBA 504 portion	SBA's 40% portion of the loan is locked in at a low fixed rate. With a guaranteed monthly payment for the life of your loan, you can better plan and budget your finances.
Long Term	Capital CDC loans are for a 10 or 20-year period. Your bank or other lender holds the first lien on 50% of the loan. This usually means they will lend at a longer term, which reduces your monthly payment.
Low Interest Rate	The low interest rate from both Capital CDC and your bank or other lender make your project much more affordable than a typical collateralized bank loan.
Refinancing	You can refinance existing debt related to fixed assets if you also borrow money to finance more real estate or equipment for an expansion project. The total amount refinanced must be 50% or less of the total cost of the expansion.
For the Bank participating with you as the 50% lender:	There are real incentives for your bank or lender to participate in your SBA 504 project: Community Reinvestment Act credits A lower loan to value ratio Reduced loan risk because they occupy the first lien position Build loyalty with small business customers
The Community	Keeping and attracting healthy small businesses, creating jobs and stimulating community development benefit the entire community.