CDC Small Business Finance

A nonprofit. More flexible than a bank. No hidden fees.

Work with a mission-driven small business and community development lender that focuses on your whole story, not just the numbers. We take that extra step to learn about you and your business so we can find you the financing that best matches your goals. Unlike a traditional lender, we have the flexibility to offer affordable loans to a broader range of small business owners. We offer loans including the SBA loans, conventional loans and community development loans. In addition we offer pre and post loan business advising to loan applicants and current borrowers.

Since 1978, CDC Small Business Finance, an award-winning nonprofit and advocate for entrepreneurs, has provided more than 12,000 small business owners access to $21.3 billion in financing. Our mission is founded in supporting those who face the greatest obstacles in securing capital including women, People of Color and veterans.

We have long served small business owners in Los Angeles and our loan officers bring a depth of knowledge and expertise to their clients that is unmatched. We understand your needs and the market and can help you get a loan that best supports your goals and success. We have multiple loan officers and business advisors that solely focus on serving the greater Los Angeles area. Our business loans have also played a critical role in bolstering economic development, helping create or preserve more than 214,000 jobs in California, Arizona and Nevada.

Small Business Working Capital Loans

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. Our working capital loans range from $20,000-$250,000. We offer fixed and variable rates, 5-10 year terms and complimentary business advising. 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. We do offer loans to start-ups. You can use the financing to meet multiple needs including but not limited to buying a business, starting a business, expanding your business, buying equipment, hiring employees, purchasing inventory, covering payroll, increasing marketing, tenant improvement and to consolidate debt.

Home Health Care Loan

Work with a home health care loan specialist who understands the specific needs of your industry. Home Health Care financing is available up to $250,000. Our experienced loan officers have taken the time to learn about your industry including licensing requirements, accreditation, and current issues. They are also well versed in understanding the payors such as Medicare, Medicaid/Medical, and private insurances. Their expertise means they know the ins and outs of the loan process and will guide you every step of the way. They will help you understand your financing options, present the terms in an easy to understand way and help you navigate gathering the required documents.

Childcare and Preschool Loan

Work with a Childcare and Preschool Loan specialist who understands the specific needs of your industry. Childcare and Preschool financing is available up to $250,000. Our experienced loan officers have taken the time to learn about your industry including licensing requirements, accreditation, and current issues. They are also well versed in understanding the payors such as the State of California. Their expertise means they know the ins and outs of the loan process and will guide you every step of the way. They will help you understand your financing options, present the terms in an easy to understand way and help you navigate gathering the required documents.

Business Advising

Along with providing loans, CDC Small Business Finance offers knowledgeable and accessible small business advisors to loan applicants and current borrowers — pre and post loan. Our proven team of experts will provide support on everything from credit repair to financial reporting to business strategy.

SBA 504 Commercial
Real Estate Loan

You can use an SBA 504 loan to buy, construct or improve commercial real estate or to purchase heavy equipment.  The loan offers 25, 20 or 10 year term options, a below-market fixed rate and low down-payment (only 10%).   Work with an SBA 504 loan expert who can help you understand the loan structure, eligibility and how in many cases borrowers find that their loan payment ends up being less than what they were paying in rent.

Community Development Loans

Via our sister organization, Capital Impact Partners, we provide access to capital for projects in under-invested areas that are often overlooked by traditional banks. We work directly with our borrowers to get the most complicated transactions done. This includes working with non-profit and private developers in the fields of affordable housing, healthcare, education and healthy foods.