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

Access from $20,000- $250,000
A monthly payment you can afford
Fixed and variable rates available to meet your needs
5-10 year terms
Ability to improve cash flow
Complimentary business advising

Available in
California, Arizona and Nevada
Pilot expansion cities: Detroit, Michigan • Washington, D.C. Metro


Rodnia, co-owner, El Borrego
CDC Small Business Finance has delivered over $165,000,000 to minorities, women and veterans.

Today’s Rates*

SBA 504

3.014 %

SBA 504

2.973 %

SBA 504

2.898 %

SBA 504

2.855 %

SBA 504

2.673 %

Small Business Loan

5% - 9.25 %

View SBA 504 Rate History
Apply Now

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.

Estimate Monthly Costs
For the SBA 504 Rates: Includes fees to CDC, SBA and central servicing agent; based on pricing published by NADCO 9-9-2021. The SBA 504 rates listed above are effective from September 9 - October 6, 2021.

Answers to small business owner's top questions

  • Our general business loan rates range from as low as 5% to 9.25%
  • 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.

  • Collateral not needed for approval
  • Located in California, Arizona, Nevada, Detroit, MI or Washington, D.C. Metro
  • Able to provide a downpayment: 20% for start-ups, 10% for business acquisitions
  • Ability to show sufficient cash flow to make payments
  • Flexibility to waive some requirements for businesses in low-moderate income communities, start-up businesses and veteran owned

  • 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.

  • You can borrow between $20,000- $250,000.

Yes. If you are a start-up there will be a 20% downpayment and management or industry experience is preferred.

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.

See all FAQs
Our microloan helped these start-up business owners keep 100% of their equity
SBA loan helps this entrepreneur expand her bakery business to a third location
This craft brewer was able to exit a high interest loan and get financing at a lower rate

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!

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

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 child care field.

Get the details
Julie Cox, Owner, Traveler
Former surf pro rides small business wave thanks to successful funding for inventory, fixtures, and equipment.

Want more details about our offerings?

Download these pdf program cards to learn more about our loan products.


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