CDC Small Business Finance

CDC Small Business Finance

in Business Loans from CDC Small Business Finance


CDC Small Business Finance


in Business Loans from CDC Small Business Finance

SuperMoney Net Recommendation Score -57% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 user recommends
1 user is unsure
5 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $10,000 - $2,000,000
APR  (Fixed APR) N/A
Loan Term 36 - 300 months
Number of Reviews 7

CDC Small Business Finance Review

Where does CDC Small Business Finance do business?

CDC Small Business Finance is a business financing offering by CDC Small Business Finance, based in San Diego, CA. Founded in 1978, CDC Small Business Finance offers access to business loans in 3 states across the USA.

What are CDC Small Business Finance’s rates?

CDC Small Business Finance offers a fixed APR business financing product but they do not disclose their rates.

Does CDC Small Business Finance charge an origination fee?

Yes, CDC Small Business Finance charges a loan origination fee starting at 0% of the loan amount. CDC Small Business Finance deducts the fee directly from your loan amount before disbursing loan proceeds, so make sure you take this fee into account when deciding how much you need to borrow.

What limitations does CDC Small Business Finance set on the purpose of the loan?

CDC Small Business Finance considers loan applications for business purposes, such as:

  • Business Debt Refinance
  • Equipment Purchase
  • Hiring
  • Inventory
  • Lease Improvement
  • New Location
  • Payroll
  • Product or Service Expansion
  • Technology Investment
  • Working capital

What types of business loans does CDC Small Business Finance offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. CDC Small Business Finance provides access to the following business loan types:

  • Secured Term Loans
  • SBA Loans
  • Commercial Real Estate

Does CDC Small Business Finance charge prepayment fees?

Yes, CDC Small Business Finance charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from CDC Small Business Finance?

Loan amounts start at $10,000 and go up to $2,000,000.

What is the maximum loan term you can get with CDC Small Business Finance?

CDC Small Business Finance offers business loans with terms ranging from 36 to 300 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for CDC Small Business Finance?

CDC Small Business Finance does not require borrowers to have been in business for a minimum number of years. Businesses must have a minimum annual revenue of $7,600 to be considered.

Applicants with a credit score of at least 640 and up to 850 are eligible for CDC Small Business Finance.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the CDC Small Business Finance product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by CDC Small Business Finance. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of identity
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About CDC Small Business Finance


  Available in 3 states
  • Arizona
  • California
  • Nevada

Feature Breakdown

Origination Fee (%) Starting at 0%
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Minimum Months in Business N/A
Minimum Revenue $7,600
Verification Documents Required
  • Proof of Identity
  • Proof of Income
Loan Amount $10,000 - $2,000,000
Loan Term 36 - 300 months

CDC Small Business Finance Community Reviews


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