Looking for SBA CDC loan providers? Our comprehensive directory of SBA Certified Development Companies (CDCs) connects small business owners with authorized 504 loan program lenders nationwide. CDCs are SBA-approved nonprofit organizations that help entrepreneurs secure affordable, long-term financing for major fixed assets through the SBA 504 loan program. Whether you’re planning commercial real estate acquisition, equipment purchases, or facility renovations, finding the right CDC is essential for accessing these government-backed loans with low down payments and favorable terms. Browse our searchable database of SBA-approved CDCs by location, industry expertise, and loan volume to find the perfect financing partner for your small business expansion needs.
| Lender Name | City | State | Phone | Website |
|---|---|---|---|---|
| 504 Capital Corporation | Chesapeake | VA | 757-623-2691 | |
| Advantage Certified Development Corporation (Link is external) | Long Beach | CA | 562-983-7450 | advantagecdc.org |
| Alliance Lending Corporation (Link is external) | Fort Worth | TX | 817-871-6444 | alliancecdc.com |
| Alloy Development Co., Inc. | Cincinnati | OH | 513-458-2211 | |
| Ally Dakota Development, Inc. (Link is external) | Rapid City | SD | 605-716-0012 | bhced.org |
| Altoona-Blair County Development Corporation (Link is external) | Altoona | PA | 814-944-6113 | abcdcorp.org |
| Altura Community Consulting & Business Finance (Link is external) | Rexburg | ID | 208-589-7208 | thedevco.net |
| Ameritrust CDC (Link is external) | Edmonds | WA | 425-787-6100 | ameritrustcdc.com |
| AMPAC Tri-State CDC, Inc. (Link is external) | Ontario | CA | 909-915-1706 | ampac.com |
| Amplio Economic Development Corporation (Link is external) | Arden Hills | MN | 651-631-4900 | amplioedc.com/sba-504-loans |
| Appalachian Development Corporation (Link is external) | Greenville | SC | 864-382-2358 | adcloans.com |
| Arcata Economic Development Corporation (Link is external) | Eureka | CA | 707-798-6132 | northedgefinancing.org |
| Arizona Capital Source (Link is external) | Tucson | AZ | 520-600-3744 | azcapitalsource.com |
| Ark-Tex Regional Development Company, Inc. | Texarkana | TX | 903-832-8636 | |
| B:Side Capital (Link is external) | Phoenix | AZ | 303-657-0010 | bsidecapital.org |
| B:Side Capital (Link is external) | Denver | CO | 303-657-0010 | bsidecapital.org |
| B:Side Capital (Link is external) | Santa Fe | NM | 303-657-0010 | bsidecapital.org |
| B:Side Capital (Link is external) | Lehi | UT | 303-657-0010 | bsidecapital.org |
| Bay Area Employment Development Company | Concord | CA | 925-926-1020 | |
| Bay Colony Development Corporation (Link is external) | Waltham | MA | 781-891-3594 | baycolony.org |
| Big Sky Economic Development Corporation (Link is external) | Billings | MT | 406-869-8403 | bigskyeconomicdevelopment.org |
| Birmingham Citywide Local Development Company | Birmingham | AL | 205-250-6380 | |
| Black Hawk Economic Development, Inc. (Link is external) | Waterloo | IA | 319-235-2960 | bhed.org |
| Black Hills Community Economic Development (Link is external) | Rapid City | SD | 605-716-0012 | bhced.org |
| Brightbridge, Inc. (Link is external) | Chattanooga | TN | 423-424-4227 | brightbridgeinc.org |
| Brownsville Local Development Company, Inc. (Link is external) | Brownsville | TX | 956-546-4020 | bdfoftexas.com |
| Business and Community Lenders of Texas (Link is external) | Austin | TX | 512-912-9884 | bcloftexas.org |
| Business Development Corporation (Link is external) | South Bend | IN | 574-288-5758 | bdcloan.com |
| Business Expansion Funding Corporation (Link is external) | Charlotte | NC | 704-414-3001 | befcor.com |
| Business Finance Capital | Los Angeles | CA | 213-999-1481 | |
| Business Finance Group, Inc. (Link is external) | Fairfax | VA | 703-352-0504 | businessfinancegroup.org |
| Business Initiative Corporation of New York (Link is external) | Bronx | NY | 718-590-3980 | bicofny.org |
| C.C.D. Business Development Corporation – Gold Beach | Gold Beach | OR | 541-672-6728 | |
| California Statewide Certified Development Corporation (Link is external) | Davis | CA | 530-902-0020 | calstatewide.com |
| Cape and Islands Community Development, Inc. (Link is external) | Centerville | MA | 508-362-3755 | coastalcommunitycapital.org |
| Capital Access Corporation-Kentucky (Link is external) | Louisville | KY | 502-584-2175 | cac-ky.org |
| Capital Access Group, Inc. (Link is external) | San Francisco | CA | 415-217-7600 | capitalaccess.com |
| Capital Certified Development Corporation (Link is external) | Austin | TX | 512-327-9229 | capitalcdc.com |
| Capital Certified Development Corporation (Link is external) | Clarksville | AR | 479-629-8135 | capitalcdc.com |
| Capital Certified Development Corporation (Link is external) | Albuquerque | NM | 505-206-3243 | capitalcdc.com |
| Capital Matrix, Inc. (Link is external) | Boise | ID | 208-383-3473 | capitalmatrix.org |
| Capital Partners Certified Development Company (Link is external) | Atlanta | GA | 404-475-6002 | cpcdc.com |
| Capital Regional Development Council (Link is external) | Concord | NH | 603-228-1872 | crdc-nh.com |
| Caprock Business Finance Corporation, Inc. | Lubbock | TX | 806-762-8721 | |
| Carolina Business Capital (Link is external) | Charlotte | NC | 704-373-1233 | cbc504.com |
| Cascade Capital Corporation | Akron | OH | 330-379-3160 | |
| Cascade Capital Funding (Link is external) | Salem | OR | 503-990-6868 | cascadecapitalfunding.com |
| Catawba Regional Development Corporation (Link is external) | Rock Hill | SC | 803-327-9041 | catawbacog.org |
| CCD Business Development Corporation (Link is external) | Roseburg | OR | 541-672-6728 | ccdbusiness.org |
| CCD Business Development Corporation – Coos Bay | Coos Bay | OR | 541-756-4101 | |
| CDC Small Business Finance Corporation (Link is external) | San Diego | CA | 619-291-3594 | cdcloans.com |
| Cen Cal Business Finance Group (Link is external) | Fresno | CA | 559-227-1158 | cencalfinance.com |
| Central Minnesota Development Company (Link is external) | Andover | MN | 763-784-3337 | cmdcbusinessloans.com |
| Central Mississippi Development Company, Inc. (Link is external) | Pearl | MS | 601-981-1511 | cmpdd.org |
| Certified Development Corporation of South Carolina (Link is external) | Columbia | SC | 803-798-4064 | businessdevelopment.org |
| Chesapeake Business Finance Corporation (Link is external) | Bethesda | MD | 240-224-0217 | chesapeake504.com |
| Chesapeake Business Finance Corporation (Link is external) | Washington | DC | 240-224-0217 | chesapeake504.com |
| Citywide Small Business Development Corporation (Link is external) | Dayton | OH | 937-226-0457 | citywidedev.com |
| Clay-Platte Development Corporation (Link is external) | Kansas City | MO | 816-468-4989 | simplymorefinancing.com |
| Coastal Area District Development Authority, Inc. (Link is external) | Brunswick | GA | 912-261-2500 | cadda-sba.org |
| Community Capital Development Corporation (Link is external) | Dublin | OH | 614-645-6171 | ccdcorp.org |
| Community Certified Development Corporation (Link is external) | Houston | TX | 713-457-1650 | communitybusinessfinance.com |
| Community Development Corporation of Fort Wayne (Link is external) | Fort Wayne | IN | 260-427-1125 | cdcein.org |
| Community Development Resources (Link is external) | Lincoln | NE | 402-436-2386 | cdr-nebraska.org |
| Community Economic Development Company of Colorado (Link is external) | Denver | CO | 303-893-8989 | cedco.org |
| Community Investment Corporation (Link is external) | Hamden | CT | 203-776-6172 | ciclending.com |
| Community Ventures (Link is external) | Lexington | KY | 859-231-0054 | cvky.org |
| Corporation Para el Financiamiento Empresarial Del Comerico y de Las Comunidades (Link is external) | San Juan | PR | 787-756-5080 | lendreams.com |
| CSRA Local Development Corporation (Link is external) | Columbia | SC | 706-210-2010 | csrardc.org |
| CSRA Local Development Corporation (Link is external) | Augusta | GA | 706-210-2010 | csrardc.org |
| Dakota Business Finance (Link is external) | Sioux Falls | SD | 605-367-5353 | dakotabusinessfinance.com/loan_information/index.php |
| Dakota Business Finance CDC, South Dakota (Link is external) | Sioux Falls | SD | 605-367-5394 | dakotabusinessfinance.com |
| Dakota Business Lending (Link is external) | Bozeman | MT | dakotabusinesslending.com/montana | |
| Dakota Business Lending (Link is external) | Worthington | MN | dakotabusinesslending.com/loans/sba-504 | |
| Dakota Business Lending (Link is external) | Fargo | ND | dakotabusinesslending.com | |
| Delaware Community Development Corporation (Link is external) | Wilmington | DE | wedco.org | |
| E.C.I.A. Business Growth, Inc. | Dubuque | IA | ||
| East Texas Regional Development Company, Inc. (Link is external) | Kilgore | TX | etrdc.com | |
| Eastern Idaho Development Corporation (Link is external) | Pocatello | ID | eidevco.org | |
| Eastern Maine Development Corporation (Link is external) | Bangor | ME | emdc.org | |
| Economic Development Corp. of Jefferson County, MO (Link is external) | Hillsboro | MO | jeffcountymo.org | |
| EDC Finance Corporation (Link is external) | Lancaster | PA | edcfinancecorp.com | |
| EDC Loan Corporation (Link is external) | Kansas City | MO | edckc.com | |
| Elevated Lending Certified Development Company (Link is external) | Albuquerque | NM | elcdc.com | |
| Empire State Certified Development Corporation (Link is external) | Latham | NY | nybdc.com | |
| Enterprise Development Corporation (Link is external) | Columbia | MO | entdevcorp.org | |
| Evergreen Business Capital (Link is external) | Seattle | WA | evergreen504.com | |
| Evergreen Business Capital (Link is external) | Portland | OR | evergreen504.com | |
| Evergreen Business Capital (Link is external) | Coeur d’ Alene | ID | evergreen504.com | |
| Evergreen Business Capital (Link is external) | Anchorage | AK | evergreen504.com | |
| First District Development Company (Link is external) | Watertown | SD | fddc.1stdistrict.org | |
| Florida Business Development Corp. (Link is external) | Tampa | FL | fbdc.net | |
| Florida Business Development Corp. (Alabama) (Link is external) | Montgomery | AL | fbdc.net | |
| Florida First Capital Finance Corporation, Inc. (Link is external) | Tallahassee | FL | ffcfc.com | |
| Frontier Financial Partners, Inc. (Link is external) | Emporia | KS | frontierfinancialpartners.com | |
| Georgia Certified Development Corporation (Link is external) | Atlanta | GA | gacdc.com | |
| Georgia Small Business Capital (Link is external) | Milton | GA | ga504.com | |
| Granite State Economic Development Corporation | Portsmouth | NH | ||
| Great Lakes Commercial Finance (Link is external) | Grandville | MI | growmichigan.com | |
| Greater Sacramento Certified Development Corporation (Link is external) | North Highlands | CA | gscdc.com | |
| Greater Syracuse Business Development Corporation (Link is external) | Syracuse | NY | gsbdc.com | |
| Greater Texas Capital Corporation (Link is external) | Tyler | TX | getcdc.org | |
| Growth Capital Corp. | Cleveland | OH | ||
| Heartland Business Capital, Inc. (Link is external) | Overland Park | KS | hbcloans.com | |
| HEDCO Local Development Corporation (Link is external) | Honolulu | HI | hedcoldc.com | |
| High Plains Financial, Inc. (Link is external) | Great Falls | MT | growgreatfallsmontana.org | |
| Housatonic Industrial Development Corporation (Link is external) | Danbury | CT | hidc-ct.org | |
| Houston-Galveston Area Local Development Corporation (Link is external) | Houston | TX | hgaldc.com/Home.aspx | |
| Illinois Business Financial Services (Link is external) | Peoria | IL | ibfs.org | |
| Independent Development Services Corporation | Fort Myers | FL | ||
| Indiana Statewide Certified Development Corporation (Link is external) | Indianapolis | IN | cambridgecapitalmgmt.com | |
| Intermountain Business Lending, Inc. (Link is external) | Ogden | UT | utahcdc.com | |
| Iowa Business Growth Company (Link is external) | Johnston | IA | iowabusinessgrowth.com | |
| JEDCO Development Corp (Link is external) | Avondale | LA | jedco.org | |
| Lake Agassiz Certified Development Company (Link is external) | Fargo | ND | lakeagassiz.com | |
| Lewis & Clark Certified Development Company (Link is external) | Mandan | ND | lcdgroup.org | |
| LiftFund (Link is external) | San Antonio | TX | liftfund.com | |
| Lone Star State Capital Corporation (Link is external) | Houston | TX | hbdinc.org | |
| Louisiana Capital Certified Development Company, Inc. (Link is external) | Lafayette | LA | louisianacapital.com | |
| Marketing Small Business Finance Corporation (Link is external) | San Juan | PR | marketingsba.com/home.html | |
| Mentor Economic Assistance Corporation | Mentor | OH | ||
| Meramec Regional Development Corporation | St. James | MO | ||
| Metro Area Development Corporation (Link is external) | Oklahoma City | OK | madco.net | |
| Michigan Certified Development Corporation (Link is external) | East Lansing | MI | michigancdc.org | |
| Mid-Cumberland Area Development Corporation (Link is external) | Nashville | TN | madc.us | |
| Minnesota Business Finance Corporation (Link is external) | St. Cloud | MN | mbfc.org/sba-loans | |
| Mo-Kan Development, Inc. (Link is external) | St. Joseph | MO | mo-kan.org | |
| Monroe County Industrial Development Corporation (Link is external) | Rochester | NY | monroecountybusiness.org | |
| Mountain West Small Business Finance (Link is external) | Salt Lake City | UT | mwsbf.com | |
| Nebraska Economic Development Corporation (Link is external) | Lincoln | NE | nedcoloans.org | |
| NEPA Business Alliance Finance Corporation (Link is external) | Pittston | PA | nepa-alliance.org | |
| Nevada State Development Corp. – Reno Office (Link is external) | Reno | NV | nsdc.com | |
| Nevada State Development Corporation (Link is external) | Las Vegas | NV | nsdc.com | |
| New England Certified Development Corporation (Link is external) | Wakefield | MA | cdcnewengland.com | |
| New Orleans Regional Business Development Loan Corporation (Link is external) | New Orleans | LA | rlcsbidco.com | |
| North Texas Certified Development Corporation (Link is external) | Plano | TX | northtexascdc.com | |
| Northeastern Economic Development Company of PA-CDC, Inc. (Link is external) | Dunmore | PA | nedcocdc.com | |
| Northwest Business Development Association (Link is external) | Spokane Valley | WA | nwbusiness.org | |
| Northwest Business Development Association (Link is external) | Boise | ID | nwbusiness.org | |
| Northwest Business Development Association (Link is external) | Eugene | OR | nwbusiness.org | |
| Northwest Ohio Development Assistance Corporation | Toledo | OH | ||
| Oakland County Business Finance Corporation (Link is external) | Waterford | MI | oakgov.com | |
| Ocean State Business Development Authority (Link is external) | Providence | RI | osbda.com | |
| Ohio Statewide Development Corporation (Link is external) | Columbus | OH | osdc.net | |
| Panhandle Area Council, Inc. (Link is external) | Hayden Lake | ID | pacni.org | |
| PeopleFund CDC (Link is external) | Austin | TX | peoplefund.org | |
| Piedmont Business Capital (Link is external) | Greensboro | NC | piedmontbusinesscapital.org | |
| Pikes Peak Regional Development Corporation (Link is external) | Colorado Springs | CO | pprdc.com | |
| Pivotal Business Partners (Link is external) | Des Moines | IA | pivotaliowa.com | |
| Preferred Lending Partners (Link is external) | Lakewood | CO | preferredlendingpartners.com | |
| Premier Capital Corporation (Link is external) | Indianapolis | IN | 504partner.com | |
| Prince George’s County Financial Services Corporation | Largo | MD | ||
| Provident Business Financial Services, Inc. (Link is external) | West Columbia | SC | providentbfs.com | |
| Purchase Area Development District (Link is external) | Mayfield | KY | purchaseadd.org | |
| Pursuit | Oakland | NJ | ||
| PYMES Financial Partners, Inc. (Link is external) | San Juan | PR | pymesfinancial.com | |
| Racine County Business Development Corporation (Link is external) | Sturtevant | WI | blp504.com | |
| Rappahannock Economic Development Corporation (Link is external) | Fredericksburg | VA | redco504.org | |
| Rappahannock Economic Development Corporation (Link is external) | North Bethesda | MD | redco504.org | |
| Region IV Development Corporation (Link is external) | Twin Falls | ID | rivda.org | |
| Regional Business Assistance Corporation (RBAC) (Link is external) | Mercerville | NJ | rbacloan.com | |
| Regional Development Company (Link is external) | Valparaiso | IN | rdc504.org | |
| Regional Development Funding Corporation | Pittsburgh | PA | ||
| Rockford Local Development Corporation (Link is external) | Rockford | IL | rldc.us | |
| Rural Enterprises of Oklahoma, Inc. (Link is external) | Durant | OK | reiok.org | |
| Rural Missouri, Inc. (Link is external) | Jefferson City | MO | rmiinc.org | |
| Sabre Finance (Link is external) | Birmingham | AL | sabrefinance.org | |
| Sabre Finance (Link is external) | Birmingham | AL | sabrefinance.org | |
| San Fernando Valley Small Business Development Corp. (Link is external) | Los Angeles | CA | goldenstatecdc.org | |
| SEDA-COG Local Development Corporation (Link is external) | Lewisburg | PA | seda-cog.org | |
| Siouxland Economic Development Corporation (Link is external) | Sioux City | IA | siouxlandedc.com | |
| Six Bridges Capital Corporation | Little Rock | AR | ||
| Small Business Access Partners Inc. (Link is external) | Gainesville | GA | sbaploans.com | |
| Small Business Assistance Corporation (Link is external) | Savannah | GA | sbacsav.com | |
| Small Business Capital Corporation (Link is external) | Tulsa | OK | sbcc-ok.com | |
| Small Business Growth Corporation (Link is external) | Springfield | IL | growthcorp.com | |
| So Cal CDC (Link is external) | Mission Hills | CA | socalcdc.com | |
| SomerCor 504, Inc. (Link is external) | Chicago | IL | somercor.com | |
| South Central Illinois Regional Planning & Development Commission (Link is external) | Salem | IL | scirpdc.com | |
| South Central Kansas Economic Development District, Inc. (Link is external) | Bel Aire | KS | sckedd.org | |
| South Central Tennessee Development Corporation (Link is external) | Mt. Pleasant | TN | 504loan.org | |
| South Dakota Development Corporation (Link is external) | Sioux Falls | SD | thinksddc.com | |
| South Eastern Economic Development Company of Pennsylvania (Link is external) | Exton | PA | seedcopa.com | |
| South Eastern Economic Development Corporation (Link is external) | Taunton | MA | seedcorp.com | |
| Southeast Texas Economic Development Foundation (Link is external) | Beaumont | TX | setedf.org | |
| Southeastern Minnesota 504 Development Corporation Inc. | Rochester | MN | ||
| Southern Development Council (Link is external) | Mountain Brook | AL | sdcinc.org | |
| Southern Georgia Area Development Corporation | Valdosta | GA | ||
| Southern Maine Finance Agency Certified Development Corporation | Biddeford | ME | ||
| Southland Economic Development Corporation (Link is external) | Santa Ana | CA | southlandedc.com | |
| St. Charles County Economic Development Council (Link is external) | St. Charles | MO | edcscc.com | |
| St. Louis Local Development Company | St. Louis | MO | ||
| STL Partnership (Link is external) | St. Louis | MO | stlpartnership.com | |
| Success Capital Expansion & Development Corporation (Link is external) | Modesto | CA | successcapitalsba.com | |
| Sunshine State Economic Development Corporation (Link is external) | Clearwater | FL | sedco504.com | |
| Superior California Economic Development, Inc. (Link is external) | Redding | CA | scedd.org | |
| Texas Certified Development Company, Inc. (Link is external) | Austin | TX | txcdc.com | |
| Texas Panhandle Regional Development Corporation (Link is external) | Amarillo | TX | amarilloedc.com | |
| The Pennsylvania Community Development and Finance Corporation (Link is external) | Reading | PA | pcdfc.com | |
| The UCEDC (Link is external) | Cranford | NJ | ucedc.com | |
| Three Rivers Local Development Company, Inc. (Link is external) | Pontotoc | MS | trpdd.com | |
| TMC Financing (Link is external) | Oakland | CA | tmcfinancing.com | |
| TMC Financing (Link is external) | Gilbert | AZ | tmcfinancing.com | |
| TMC Financing (Link is external) | Las Vegas | NV | tmcfinancing.com | |
| TMC Financing (Link is external) | Portland | OR | tmcfinancing.com | |
| TMC Financing (Link is external) | Honolulu | HI | tmcfinancing.com | |
| True Access Capital Corporation | Wilmington | DE | ||
| Tulsa Economic Development Corporation (Link is external) | Tulsa | OK | tedcnet.com | |
| Twin Cities-Metro Certified Development Company (Link is external) | Vadnais Heights | MN | 504lending.com | |
| Valley Economic Development Partners. (Link is external) | Youngstown | OH | valleyedp.com | |
| Vermont 504 Corporation (Link is external) | Montpelier | VT | veda.org | |
| Wakarusa Valley Development, Inc. (Link is external) | Lawrence | KS | wakarusavalley.org | |
| WBD, Inc. (Link is external) | Madison | WI | wbd.org | |
| WBD, Inc. (Link is external) | Stillwater | MN | wbd.org | |
| Wessex 504 Corporation (Link is external) | Arlington Heights | IL | wessex504.com | |
| West Central Partnership, Inc. (Link is external) | Perrysburg | OH | anchorsba.com | |
| Worcester Business Development Corporation (Link is external) | Worcester | MA | thewbdc.com | |
| Wyoming Capital Access (Link is external) | Casper | WY | wyomingcapitalaccess.com/ |
Frequently Asked Questions
Q: What is an SBA Certified Development Company (CDC)?
A: A Certified Development Company (CDC) is a nonprofit organization certified by the Small Business Administration (SBA) to provide 504 loans to small businesses for major fixed assets such as commercial real estate, heavy equipment, or major renovations. CDCs work with conventional lenders to structure these government-backed loans, typically offering lower down payments and longer terms than traditional financing options.
Q: How does the SBA 504 loan program work?
A: The SBA 504 loan program typically involves three parties: the borrower (small business), a conventional lender (usually a bank), and a CDC. The conventional lender provides 50% of the project cost, the CDC provides 40% (backed by an SBA guarantee), and the small business owner contributes a minimum 10% down payment. This structure allows small businesses to access affordable, long-term fixed-rate financing for major capital investments.
Q: What are the benefits of working with a CDC for SBA 504 loans?
A: Working with a CDC offers several advantages, including lower down payments (typically 10% versus 20-25% for conventional loans), longer repayment terms (10, 20, or 25 years), fixed interest rates, and the ability to include soft costs like appraisals and environmental studies in the total project financing. CDCs also provide guidance throughout the application process.
Q: How do I find the right CDC for my business needs?
A: When selecting a CDC, consider factors such as their geographic service area, industry expertise, loan volume, processing times, and customer service reputation. Our directory allows you to search for CDCs by location and filter by these important criteria to find the best match for your specific business needs.
Q: What types of projects qualify for SBA 504 financing through CDCs?
A: SBA 504 loans through CDCs can finance the purchase, construction, or renovation of commercial real estate; the acquisition of heavy machinery and equipment with a useful life of at least 10 years; and in some cases, refinancing of existing debt related to fixed assets. Projects must be for owner-occupied businesses, with at least 51% of the property occupied by the business.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.