Need a business loan? We’re here to help.
From entrepreneurs to referral partners to current borrowers - we'll help you find what you need.
A nonprofit. More flexible than a bank. No hidden fees.
We focus on your whole story, not just the numbers. We don’t say no, we say “tell me more.” We take that extra step to learn about you and your business so we can find you the financing that best matches your goals.
Small Business Financing Options
Providing access to the capital you need to grow your business.
Learn More
SBA 504 Commercial Real Estate Loans
Did you know buying a building can be more economical than leasing?
We Can Prequalify in 24 Hours
Personal Pre & Post Loan Advising
You're not alone. We're here to help. We offer business advising.
Work with Business ExpertsSUCCESS STORY / SBA 504 LOAN
Veteran Switches from Leasing to Ownership to Drive Business Growth
Today’s Rates*
Current SBA 504 25 year standard rate: 6.373%
Current SBA 504 20 year standard rate: 6.390%
Current SBA 504 10 year standard rate: 6.174%
Current SBA 504 25 year refi rate: 6.401%
Current SBA 504 20 year refi rate: 6.420%
Starting at Prime + 2.75%
Business Loan Calculator
When getting a loan it is important to understand the payment associated with the loan amount, rate and term. Use our calculator to get an estimate for the monthly payment for a working capital loan.
*For the SBA 504 Rates: Includes fees to CDC, SBA, and central servicing agent; based on pricing published by NADCO. The SBA 504 rates listed above are effective July 10, 2025, and change monthly with each funding cycle.
The Momentus Capital Family of Organizations
CDC Small Business Finance is now part of the Momentus Capital family of organizations. Rooted in social mission, we are driven to ensure local leaders have access to the capital and opportunities they deserve. We support locally-led solutions to build strong communities through a continuum of lending, impact investments, training programs, and technology programs.
SUCCESS STORY / SMALL BUSINESS LOAN
SBA Financing and Business Advising Help Start-Up Launch Dream Business
Making an Impact Since 1978
$20.9 billion
In small business financing
We are passionate about helping small business owners turn their dreams into reality with access to affordable financing.
12,700
Business owners helped
Since 1978, we have been dedicated to helping small business entrepreneurs grow and succeed.
253,500
Jobs created and preserved
Our financing often supports job creation and retention which fuels economic development in our communities.
A voice for small business
From meetings with congress people to testifying in front of the house and senate small business committees, we are dedicated to being a strong advocate for entrepreneurs.
Hear from some of our borrowers
"My loan officer helped me tremendously. Every question I had – I would call him, he was there to answer."
Angelica Rojo, Red Angel Salon
"The entire team at CDC Small Business Finance has been supportive of my individual goals and has really taken the time to help my business succeed."
George Thornton, Home Brewing Co
"We decided to move forward with the SBA loan and to this day it's been a great success as we were able to expand our operations, hire new people, and get us ready for the future."
Jesus Ramirez, JXR Constructors