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Since 1993

Your Partner for the SBA 504 Loan Program

Getting Started

Success Story

Miller Waldrop Furniture & Decor

Lubbock, Texas

Grow Your Business with the SBA 504 Loan

Co-Lender financing designed for entrepreneurs to support your growing business.


Small Business Financing

Access to the capital you need to grow your business.

Commercial Real Estate

Providing up to 90% financing for commercial property purchases and new construction.

Refinancing

Refinance existing debt with low, fixed interest rates.

Green Energy Program

Capital for real estate that meets green energy standards.
Explore the SBA 504 Loan

Current Rates

6.53%

25-year debentures 25-year debentures Tooltip

6.22%

20-year debentures 20-year debentures Tooltip

6.27%

10-year debentures 10-year debentures Tooltip

Where We Work

Capital CDC is the Top CDC for SBA 504 Lending across the Southwest.

New Mexico, Texas, and Arkansas
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Picoso's Mexican Kitchen

"The spirit of the 504 program is to enrich communities and provide jobs. Since working with the 504 program and Capital CDC, we've been able to double the amount of employees we have."

Jeremy Waller, Picoso's Mexican Kitchen

Benefits of the SBA 504 Loan

For Borrowers

  1. Finance up to 40% of your project
    on a long-term, fixed-rate
  2. Lower equity contribution
    as little as 10% of project to preserve working capital
  3. Decreased risk for lenders
  4. Debt refinancing available
Get Started

For Lenders

  1. Strengthen lender loan portfolio
    with 1st lien position and low Loan-to-Value
  2. Preserve borrower's working capital
  3. Fixed interest rate lets you compete for more business
  4. Creative financing to differentiate your lending institution in the marketplace
Partner with Us

How the SBA 504 Loan Process Works

Our team is with you every step of the way.

  1. Get Prequalified

    Connect with our expert Loan Officers, provide basic financials, and confirm eligibility.

  2. Get Approved

    Loan Officers will prepare all the documents and submit them to the Small Business Administration for approval. This usually only takes 2-4 weeks.

  3. Get Funded

    Work with our dedicated team to finalize any documents and receive funding.

Find Your Loan Officer

Our Impact Since 1993

The leading non-profit provider of small business financing.

2 Billion

in Debenture Dollars Approved.

2,605

SBA 504 Loans Helping Small Business Owners Succeed Since 1993 (and Counting!).

31,000

Jobs Created and Retained in the Communities We Serve.

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Success Story

CanWorks

Austin, Texas

Projects We've Funded

Ttop

T-Top Manufacturing

T-Top Manufacturing | Bridgeport, Texas

Deepellum

Brewing Up Small Business Success

Deep Ellum Brewing Company | Dallas, Texas

Nitro Swimming Makes Waves in the Austin Area With Second Location

Picoso's Mexican Kitchen Opens New Restaurant in Lubbock with SBA 504 Financing

AEND Industries Uses SBA 504 Loan to Relocate to Texas

Brewing Up Small Business Success