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Getting Started

A variety of small business loans for every entrepreneurs' needs.

Our Loans

SBA 504 Loan

  1. Finance up to 40% of the project
    on a long-term, fixed-rate
  2. Low equity contribution
    as little as 10% of project to preserve working capital
  3. Decreased risk for lenders
  4. Debt refinancing available
Explore the SBA 504 Loan

SBA 7(a) Community Advantage Loan

  1. Long-term, competitive rates
  2. Can be a companion to the SBA 504 Loan
  3. Financing for items ineligible for SBA 504 funding
  4. Geared toward underserved markets
Explore Community Advantage

We are with you Every Step of the Way

Get Prequalified Get Prequalified Tooltip
Connect with our expert Loan Officers, providing basic financial information.

24 – 72 HRS

Gather Documents Gather Documents Tooltip
Work with our Loan Officers to gather all the documents needed for your loan.

Weeks 1 – 2

Get Approved Get Approved Tooltip
Loan Officers will prepare documents and submit them to the SBA for approval.

Weeks 2 – 4

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

Weeks 4 – 6

Eligible Use of SBA 504 Funds

  1. Land
  2. Acqusition of Existing Building
  3. New Construction
  1. Fixed Assets from Business Acquisition
  2. Building Expansion/Renovation
  3. Long-Term Equipment
  1. Professional Fees
  2. Lender’s Interim Points & Interest
  3. Debt Refinance Available

Small Business Success Stories

Ttop

T-Top Manufacturing Expands Operations into Bridgeport, Texas

T-Top Manufacturing | Bridgeport, Texas

Deepellum

Brewing Up Small Business Success

Deep Ellum Brewing Company | Dallas, Texas

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

T-Top Manufacturing Expands Operations into Bridgeport, Texas

AEND Industries Uses SBA 504 Loan to Relocate to Texas

Brewing Up Small Business Success

Nitro Swimming Makes Waves in the Austin Area With Second Location

Items you may need to provide

As a new business borrower, you may need these items:

  1. Copy of Driver's License
  2. Resume
  3. Personal Financial Statement
  4. Last 2 years of complete personal federal income tax return
  5. Business Plan
  6. 2-Years of Projected Income Statements

Existing Businesses should also provide:

  1. 3 Years of Complete Business Tax Returns
  2. Year-to-Date Financials

“As a commercial lender in northern New Mexico, I have been using Capital CDC as a source for SBA 504 financing for many years. I have a high degree of confidence in referring our Bank's clients to Capital CDC, as I know their requests will be worked on with the highest level of professionalism and care. I look forward to working with Capital CDC for many more years to come.”

Tony Ornelas, Enterprise Bank

Find Your Loan Officer Today!

Feel confident knowing we are the leading non-profit provider of small business financing. Our Loan Officers are experts and have been helping people fund their dreams since 1993.

See Our Loan Officers
I Stock 944706874

VetLoan Advantage Program

Eligible veteran-owned businesses seeking SBA 504 financing can take advantage of the VetLoan Advantage program that allows Capital CDC to rebate a portion of the processing fee.

Download the Insider's Guide

Financing Structure

The typical SBA 504 Loan structure is as follows: 50% lender's note, 40% SBA 504 note and 10% borrower contribution.

Chart description here
  • Lender (50%)
  • CDC / SBA 504 (40%)
  • Borrower Contribution (10%)

Current Rates

6.206%

25-year debentures 25-year debentures Tooltip

6.277%

20-year debentures 20-year debentures Tooltip

6.493%

10-year debentures 10-year debentures Tooltip

Frequently Asked Questions