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NOTICE: Due to the nature of the emerging and rapidly evolving information from government and non-government relief programs, some requirements and offerings may change before they are listed on this website.  Please consult with your loan officer and your own professionals for the most current details.


We know that the current situation with COVID-19 is creating challenges for you.  We are all hands on deck working on ways to provide you relief as you navigate how to best support your business during this time.

On this page:

  • Daily Webinar
  • Paycheck Protection Program Loan – for CDC Small Business Finance borrowers
  • Frequently Asked Questions – Paycheck Protection Program Loan
  • SBA Payment Relief
  • Quick Deferment Program
  • SBA Disaster Loan Program
  • The Small Business Owner’s Guide to the CARES Act – from the The U.S. Senate Committee on Small Business & Entrepreneurship
  • Top Tips for Businesses Impacted by COVID-19
  • SBA Alert: Beware of Scams + Fraud


Click Here to Join the Webinar: Monday – Friday at 10am PT

The webinar will be hosted by a CDC Small Business Finance loan expert who will go over the details of our emergency relief loans. There will also be a Q+A to address your questions.

PAYCHECK PROTECTION PROGRAM (PPP) LOAN – for CDC Small Business Finance borrowers

The Paycheck Protection Program loan is designed to help small businesses impacted by COVID-19 keep their workforce employed.  

NOTICE: As of April 27th, 2020, the SBA has reopened the PPP program with the new funds approved by Congress.


If you already received an email from cdcloans.com confirming your PPP loan approval – your loan is getting funded.  Your PPP loan will be funded with the first round of SBA provided funds.  You can expect funds to be deposited into the business checking account that you provided within 10 days of your loan approval.  In the approval email you will find your PPP Loan Number and Loan Amount.   

If you submitted a complete application with the required documents before April 16th and have NOT received an email confirming your loan was approved: We will be submitting your application for SBA approval. 

You can only receive one PPP loan: Even though there is a second round of PPP funds, the money is for the small business owners that did not get a PPP loan in the first round.

EIDL and PPP are separate programs: You can receive both of these loans.  The EIDL is offered by the SBA and is completely separate from CDC Small Business Finance.  Unfortunately we cannot help you with an EIDL loan.  


WE APPRECIATE YOUR PATIENCE.  It is vital to helping us accept and process applications as fast as possible.  We understand this is unsettling and you are eager to get your loan.  Please know we are all hands on deck working to deliver the loans to you as quickly as possible and we are adjusting our processes and staffing to best accommodate the incredibly high volume of requests.


  • STEP 1:  As a CDC Small Business Finance borrower, you can click here to apply for a PPP loan.
  • STEP 2: If you have already started an application, click Continue Application. If you are starting a new application, click Start New Application
  • STEP 3: You will be asked to submit your email address to receive an application link
  • STEP 4: The link will be sent to you to start/continue your application.
    • THE LINK WILL COME FROM: notifications@venturesgo.com
  • STEP 5: Complete the application and submit any requested information or documents.  Make sure and include your loan number.
  • STEP 6: As we work to accommodate the high volume of requests, we ask that you refrain from calling for updates so that the team can process the loans as quickly as possible. 
  • STEP 7: Questions?  Click here  M-F at 10am PT to join our daily webinar. The webinar is hosted by a loan officer and will review the loan programs and have a Q+A.


  • Loan Amount: Up to $10 million
  • Fees: None
  • Term: 2 years
  • Interest Rate: 1.0%
  • Loan Forgiveness: based on employee/wage retention over an 8-week period.
  • Application Period: April 1, 2020 – June 30, 2020


Click here for the SBA overview of the Paycheck Protection Program loan.  


PPP LOAN FREQUENTLY ASKED QUESTIONS – when working with CDC Small Business Finance

Q: What if I put the wrong info in my application (payroll amount, etc)?
A: Please refrain from calling/emailing. The person assigned to your loan will help make those changes.

Q: Can I edit my loan file once it has been submitted?
A: At this time, you cannot edit your file on line once you have submitted it.

Q: What if the application will not submit?
A: Please double check all fields have been completed and that you have uploaded the required documents and signed forms where indicated.  If you confirm and it still will not submit – you need to start a new application.  We appreciate your patience at this time – our technology platform is being improved everyday to address this program and the influx of requests.

Q: When will I hear from someone about my PPP loan request?
A: We are working around the clock on the applications submitted.  Applicants that have submitted a complete application should hear from us within 4-7 days.  We appreciate you respecting this wait time so we can focus on processing the applications.

Q: What is the largest amount I can get through CDC Small Business Finance with the PPP loan?
A: Up to $10 million

Q: What if I only have 1099 independent contractors that work for me? 
A: PPP loan proceeds are based on salary and wages paid by an employer.  Compensation to independent contractors is not eligible.  The independent contractors may apply separately for a PPP.

Q: Can my insurance, rent and utilities be used in my calculation for my PPP loan amount?
A: No. You are only allowed to use payroll costs in the calculation.  Payroll costs include wages, salaries, commissions, pay for employee leave and payments for employee benefits.  With employee benefits you can include insurance premiums, retirement contributions and state and local taxes assessed on your company based on your employee compensation.  Rent and utility payments are NOT included in determining your loan amount. They are allowed expenditures under PPP and can be included in the loan forgiveness calculation provided they do not exceed 25% of all expenses applied toward forgiveness.

Q: Depending on when I apply or if I had to restart my application due to technical issues, is there a chance that I won’t meet the deadline to get funding?
A: We believe funding will remain available for PPP.

SBA PAYMENT RELIEF – for your CDC Small Business Finance SBA loan

  • SBA Payment Relief is Automatic:

    The CARES Act provides payment relief automatically for businesses that currently have an SBA 504, SBA Community Advantage and/or SBA Microloan unless your loan was in default. You do not need to request it or do any paperwork – CDC Small Business Finance is handling all the necessary work.  As a borrower, you will receive an email from us with more information –  if you have any questions, please wait to receive the email as it should provide the answers.

  • Six month benefit from the CARES Act program begins with April Payment Due: 

    The SBA will cover the costs of your loan’s principal and interest payments for six months.

  • What to do after six months:

    CDC Small Business Finance recommends borrowers with an SBA 504, SBA Community Advantage and/or SBA Microloan secure this benefit for six months and then work with CDC Small Business Finance on a deferment request, if still needed, closer to the end of that program.

  • IMPORTANT – SBA 504 borrowers:


    • SBA 504 is two loans – an SBA loan and a 1st trust deed bank loan 
    • SBA relief benefit ONLY applies to the SBA portion of your 504 loan – the six month SBA payment relief benefit will only apply to your payments on the SBA portion of your 504 loan
    • Relief or deferment of the 1st Trust Deed portion of your loan with the Bank – You will need to contact the bank that holds the 1st trust deed to find out what relief and deferment programs they are offering.
  • Don’t have an SBA loan?

    CDC Small Business Finance borrowers with loans other than the SBA loans noted above are encouraged to apply for a Quick Deferment if they are negatively impacted by the COVID-19 crisis.

QUICK DEFERMENT PROGRAM – for CDC Small Business Finance borrowers 

We have created a special temporary monthly loan payment deferment program designed for businesses whose revenues are being affected by COVID-19.  The program provides temporarily reduced loan payments to help you cover operating costs.

How to apply for a Quick Deferment 

 To be considered, please send the following to coronavirusdeferments@cdcloans.com 

  • A detailed letter that clearly outlines the impact COVID-19 has had on your business
  • Identify if your business is currently open or if it has been closed due to a government mandate or other reason.  Also outline whether you are currently paying employees.
  • Presuming that COVID-19 is contained within 90 days in your area, please share your plan post COVID-19 to help your business recover
  • One of the following: your December 31, 2019 and your interim financial statements OR the past three months of your business bank statements

What to expect:

  • You will be notified when we receive your request
  • We will do our best to send you an answer within five business days.  Please note, due to the influx of requests, in some cases it may take a little longer.
  • If approved, your loan payment will be reduced to as low as 10% of your standard loan payment.  For example, if your standard loan payment is $1,000 it could be reduced to as low as $100 during the deferment period.  The emerging release of government relief programs will effect the length of time the deferment is offered.  Please check with your loan officer for the most update information about the deferment time period.

How does the deferment affect my loan?

  • SBA 504 loans: The total amount that was deferred during the period will be amortized into your payments over the next ten years so that it is a modest amount on a monthly basis for you.
  • Working Capital Loans: The total amount that was deferred will generally be amortized over the remaining term of your loan so that it is a modest amount on a monthly basis for you.


These Loans Are NOT Available through CDC Small Business Finance

If you need funds to cover expenses – consider a disaster loan:

The Small Business Administration (SBA) is making working capital loans available to small businesses that have been negatively impacted by the coronavirus through their Disaster Loan program.  

How does it work:

Please note: The SBA’s Disaster Loan division is completely separate from CDC Small Business Finance and unfortunately we cannot help you apply.



Download the U.S. Senate Committee on Small Business & Entrepreneurship’s Guide

Get all the details on:

  • Paycheck Protection Program Loan
  • Small Business Debt Relief Program
  • Economic Injury Disaster Loans
  • Emergency Economic Injury Grants
  • Small Business Counseling
  • Small Business Contracting
  • Small Business Tax Provisions





Click to read the SBA Alert: Beware of Scams + Fraud
As a small business owner, we know you need relief and you want it fast. We urge you to be diligent when getting an emergency loan. It’s critical to know how to not fall victim to scams and fraud.


It is possible that some of the information on this website, on linked pages and attachments (collectively, Information”) has been superseded, modified or is no longer accurate.  The Information does not constitute legal, tax, financial or advice of a professional nature; it is provided for informational purposes only.  You should consult your own professional advisors for any such advice.  Any action you take based upon the Information is strictly at your risk and based upon your decision and we will not be liable for any losses or damages in connection with the Information.


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