SBA Community Advantage Small Business Loans
Hear yes, you’re approved!
You have a great idea and you need the financing to make it happen. We have multiple programs so that you can get the best loan to meet your needs.
For over four decades, we have helped small business owners like you get a loan to support their business dreams. We have provided financing to more than 12,000 borrowers and counting.
Financing Options Designed for Entrepreneurs
- SBA Community Advantage loans from $30,000- $350,000
- A monthly payment you can afford
- Fixed and variable rates available to meet your needs
- Up to 10 year terms
- Ability to improve cash flow
- Complimentary business advising pre- and post-loan
Nationwide Reach, Local Expertise
Our SBA Community Advantage loans, a type of SBA 7(a) loan, are available across the country including:
- Arizona
- Atlanta, Georgia
- California
- Dallas-Fort Worth, Texas
- Detroit, Michigan
- Miami, Florida
- Nevada
- Washington, D.C. Metro Area
California Small Businesses
Looking for $10,000-$50,000 loans with 7-year terms? We offer SBA Microloans in California!
Detroit Small Businesses
Are you an underestimated small business owner in Detroit? Our Activate Detroit loan program may be for you.
Rodnia, co-owner, El Borrego
CDC Small Business Finance has delivered over $165,000,000 to entrepreneurs working in disinvested communities, women and veterans.
3 steps to get your loan
We are with you every step of the way. Let's talk so we can answer your questions, explain the process and help you get the financing you need.
Get Prequalified
Provide basic financials and hear from us in 3 business days
Get Approved
Typically takes 2-4 weeks after receipt of requested documents
Get Funded
Work with your loan manager to finalize, and then, You’re Funded!
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 Mat 8, 2025, and change monthly with each funding cycle.
Use your financing for the following, and more:
- Buy a business
- Start a business
- Expand your business
- Buy equipment
- Hire employees
- Purchase inventory
- Buy supplies
- Cover payroll
- Increase marketing
- Relocate
- Optimize cash flow
- Improve your building
- Make lease payments
- Pay off a loan
- Consolidate debt
Answers to small business owner's top questions
What is the rate?
- Our general business loan rates start at Prime + 2.75%
- Your rate will depend on which of our loan products best match your needs
- Compared to the marketplace, all our rates and terms are considered fair and competitive.
What are your eligibility requirements?
- Collateral not needed for approval
- Available nationwide, with a focus on California, Arizona, Nevada, as well as the metro areas of Dallas-Fort Worth, Washington D.C., Miami, Detroit, and Atlanta
- Able to provide a down payment: 10% for businesses operational for less than 12 months and business acquisitions
- Ability to show sufficient cash flow to make payments
- Flexibility to waive some requirements for businesses in low-moderate income communities and start-up businesses
- Available to businesses owned 100% by either a U.S. citizen or a Lawful Permanent Resident
How long will the process take?
- You can be pre-qualified anywhere between 24-72 hours.
- For our general business loans the process can take from 4-6 weeks. Loan approval can take 2-4 weeks after the receipt of any requested documents.
Tip: Get funded quicker by submitting required documents as timely as possible.
How much can I borrow?
- You can borrow between $30,000 – $350,000
Do you finance start-ups?
Yes. If you are a start-up there will be a 10% down payment and management or industry experience is required.
Will someone work with me directly?
Yes, you will work with a real person and have your emails and phone calls returned promptly. We pride ourselves on being your partner through the loan process and beyond. Your loan officer is always available to answer questions, explain the process and help ensure you get a loan that you are comfortable with and that best supports your business goals.
"I got a lot of support along the way and a lot of questions answered. I wasn't wondering what was next, it was very planned out and easy and amazing, amazingly helpful."
Cindy Cate, Hello Birdie Nail & Lash Lab
"They made our dream come true. Hat’s off to CDC Small Business Finance for helping us get our loan."
Zachary Weisman + Karina Sanchez, Waterhorse Charters
"We didn't know anything about this process so to be able to ask questions and not feel like a dummy was really really great, CDC Small Business Finance really helped us through that."
Justin Frank & Devin Gneiting, Bread and Cheese Catering
Industry Specialists
We know that working with someone who understands your industry will help you get the right financing for your needs. All of our loan officers are experts and help entrepreneurs in every industry from restaurants to automotive to salons to medical and much more. Here are a few industries we would like to highlight that have dedicated experts.
Home Health Care Loan
Work with a Home Health Care loan specialist who understands the needs of your industry.
Learn more
Child Care and Preschool Loan
Our experts are well-versed in the needs of small business owners in the childcare field.
Get the details
Want more details about our offerings?
Download these PDF program cards to learn more about our loan products.
