CDC Loans is a nonprofit small business finance lender in California, Arizona, and Nevada. The company has provided over 10,000 SBA loans to small businesses, preserved or helped to create 167,000 jobs, and have provided $13 billion in capital to small business owners. Since 1978, CDC Loans has worked to build strong relations with banks and commercial real estate brokerages in the communities they serve. Acting as an advocate for small companies, CDC Loans is continually helping these companies to get the finances they need and to reach their full potential.

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The Good

CDC Loans offer an array of SBA loans including SBA-504, SBA-7a, community advantage loans, and SBA microloans. One can refinance existing commercial debt through CDC small business finance to tap into low, fixed interest rates and longer terms. The Vetloan Advantage Program is also available for Veterans who own small businesses. Benefits of the CDC Loans platform include:

Loan Information

CDC Loans break down each loan with details of interest rate, maximum loan amount, terms, and eligibility for that particular loan. There are FAQ pages found on the website to help answer questions you may have about loan types.


A blog can be found on filled with categories ranging from brokers to Vet-loan Advantage Program. You can search by category or by month and year to find the information you are looking for.

Success Stories

If you want to check out a great link with success stories of small businesses that CDC Loans have been able to help through SBA loans, it can be found on The stories are shared through video, and each business shares its unique growth.

Finance Resource Center

You will find amazing tools to help you decide what is best for your growing business. Tools such as a loan calculator, lease vs. buy cost comparison and a business loan directory. There are also helpful links and tutorials to help answer all the questions you have.

The Bad

Despite offering quality loan services for certain businesses, there are limitations and concerns that should be addressed as well. Prospective borrowers should understand that with a CDC Loan, the following will apply:

Limited Locations

This particular CDC Loans only services Arizona, California, and Nevada. If you live out of these areas, you can look up online other CDC locations in your community.

Loan Specific

This company only handles SBA loans. If you are looking for another type of business loan or line of credit you will want to look elsewhere.

Prepayment Penalties

There is conflicting information on the website when it comes to a prepayment penalty. It states in one area, “There are no penalties for early repayment. You can repay the loan at any time without penalty.” In another area, it states there is a prepayment premium. It will depend on which type of loan you qualify for, and you will want to find out the specific details for prepayment penalties on that loan.

The Bottom Line

If you live in Arizona, California, or Nevada and are looking to expand, purchase new equipment, gain working capital, purchase a new building, or to buy a new business, CDC Loans could be just the right fit. CDC (certified development company) is a nonprofit corporation set up to contribute to the economic development of its community. While there are only certain loans that are offered, a small business is more likely to gain access to funds through CDC Loans rather than a large bank corporation.

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