Flexible financing even if you don’t qualify
for a traditional SBA loan

The Impower loan provides affordable, responsible, and flexible capital to purchase real estate for borrowers who may not qualify for traditional Small Business Administration (504) financing. In addition, this loan is targeted to support small business owners low-and-moderate-income (LMI) areas in California where traditional financing can be hard to secure. With 90% financing in one loan, great pricing, and $10k in credit for soft costs, our goal is to offer entrepreneurs a nimble and streamlined process to jumpstart or grow their dreams.

Talk to one of our loan experts to see if our Impower loan is right for you.

* These are average times. The actual time from approval to funding depends on the complexity of your loan. Speak to your loan officer to better understand timing expectations for your deal.

Benefits of our Impower loan

  • Opportunity for financing even if you do not qualify for an SBA 504 loan due to credit or other eligibility issues
  • One loan and up to 90% financing
  • No origination fee
  • $10,000 credit for soft costs
  • Streamlined process; Get approved in as little as 2 weeks from receipt of a complete application.
  • Monthly interest only payment for the first 3 years; P&I payments in years 4-7 
  • Brokers & Lenders receive 1% referral fee 
  • Viable option for small-businesses in communities where traditional financing is typically hard to secure

Download our Impower fact sheet

Buy vs. Lease

We’re here to answer your questions, explain the process and help you navigate the path to getting financing to buy a building for your business.


Download our checklist to help you determine your best option

Download Checklist

Questions to Ask

See our list of questions to consider when comparing buying vs. leasing

Learn more

Top 3 Reasons

See why buying a building for your business is a smart business strategy

Read more

Impower loan eligibility requirements

  • Property at least 50.01% owner-occupied
  • Credit score of at least 670
  • Projects must be located in a designated low-to-moderate income census tract
  • Property must be multi-purpose
  • First lien collateral position and standard assignment of tenant lease(s)
  • Show sufficient historical cash flow to make payments
  • Consideration for start-up businesses that demonstrate two years of successful operating management experience in same industry; sufficient reserves for start-up working capital and six months of loan payments
  • Businesses must be located in California

Interested in an Impower loan? Let’s connect you with a loan officer.

Denied Traditional Financing, CDC Steps In

When a large, national bank denied Pablo’s loan request to purchase a new building for his expanding business, he turned to CDC.

Using an Impower loan, this Colombian entrepreneur is able to bring solar power and other sustainable energy solutions to even more residents across California.

Meet Pablo, Owner of Clean Initiative


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