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Competitive Rates. Flexible Credit Requirements.

Hear YES you’re approved!

You have a great idea and you need the financing to make it happen. Talk to one of our loan officers or apply online. We have multiple programs so that you can get the best loan to meet your needs.

Financing options designed for the needs of entrepreneurs

Work with a loan officer to determine which loan option is best for you. Our loan products offer you:

  • Access from $10,000- $500,000
  • A monthly payment you can afford
  • Fixed and variable rates available to meet your needs
  • Credit score as low as 680
  • Collateral not needed for approval
  • 3-10 year terms
  • Ability to improve cash flow
  • Available in California,Arizona and Nevada
  • Complimentary business advising


3 Steps to get your loan

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. You’re funded!

Top questions we hear from small business owners:

What is the rate?
  • Our general business loan rates range from as low as 7.25% to 14.5%
  • 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.
  • Need more specifics? Download individual product details here

What are your eligibility requirements?
  • Credit score as low as 680
  • Collateral not needed for approval
  • Located in California, Arizona or Nevada
  • 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

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 $20,000- $500,000.

Do you finance start-ups?

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

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.

More questions? Read more here

More than $20B in funding to over 12,000 borrowers

For over four decades, we have helped small buisness owners like you get a loan to support their business dreams. Hear from some of our borrowers:

A microloan helped this startup keep 100% of their equity

“Getting a loan from CDC allowed us to hire more employees.” Read more about Kickstagrams loan journey

Ditched a high interest loan for more affordable capital.

“With Chuck’s advice, we made it a priority to pay it (the online loan) off first,” Thornton said. More from Thornton on how Homebrewer is now flourishing

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

CDC Small Business Finance has delivered over $165,000,000 to minorities, women and veterans.

Rodnia, co-owner, El Borrego

Former surf pro rides small business wave thanks to funding. “CDC…they were really great to work with…I got great terms on the loan.” Hear from Traveler founder, Julie Cox, about how she used her loan for inventory, fixtures and equipment.

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