Lender · SBA 7(a) record
CDC Small Business Finance Corp.
CA · lends in 40 states · 2,315 SBA loans since 2010, 1,242 in the last five years.
How fast they approve. CDC Small Business Finance Corp. made 55% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about CDC Small Business Finance Corp.
vs every other SBA lenderCDC Small Business Finance Corp. lives at the small end. Its median loan is just $150k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
CDC Small Business Finance Corp. is startup-heavy. 71% of its loans are startups, well above the norm — a good sign if that is your deal.
Its median markup is prime + 3.91%, above the prime + 1.99% norm — worth a hard look at the rate you are quoted.
This read is built from 1,242 funded 7(a) loans over the last five fiscal years; outside its core states the sample thins out, so weigh the rest accordingly.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Takes on more risk than most banks
10.82% of their loan dollars have charged off, against 2.11% across all SBA lending. That is not a warning — if you have been turned down elsewhere, a lender with more appetite is exactly who you want. Expect to pay for it in rate.
What rate people got
median markup over primeThe median borrower here paid prime + 3.91%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 0.0 | 0.0 | 0.8 | 2.4 | 2.4 | 2.4 | 2.4 | 2.4 | 2.8 | 2.8 |
| 2013 | 0.0 | 2.1 | 3.3 | 3.3 | 3.3 | 4.2 | 4.2 | 4.2 | 4.2 | 4.2 |
| 2014 | 0.0 | 4.4 | 7.1 | 7.1 | 9.5 | 9.5 | 9.5 | 9.5 | 9.5 | 10.1 |
| 2015 | 0.0 | 0.0 | 3.0 | 3.0 | 3.9 | 3.9 | 5.0 | 5.8 | 5.8 | 5.8 |
| 2016 | 0.0 | 1.9 | 3.3 | 5.2 | 5.2 | 5.6 | 5.6 | 6.7 | 8.2 | · |
| 2017 | 0.0 | 2.5 | 7.5 | 10.7 | 13.4 | 13.6 | 13.9 | 14.4 | · | · |
| 2018 | 1.2 | 7.1 | 11.8 | 16.5 | 17.7 | 19.2 | 20.7 | · | · | · |
| 2019 | 0.0 | 0.1 | 4.8 | 8.3 | 10.8 | 13.6 | · | · | · | · |
| 2020 | 0.0 | 0.6 | 1.9 | 4.7 | 7.7 | · | · | · | · | · |
| 2021 | 0.4 | 1.9 | 4.2 | 11.8 | · | · | · | · | · | · |
| 2022 | 0.7 | 3.7 | 12.6 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 3.7 | · | · | · | · | · | · | · | · |
| 2024 | 0.1 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
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Common questions
Does CDC Small Business Finance Corp. make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 621 startups, 158 franchise loans, 89 business acquisitions, 5 commercial real-estate loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan CDC Small Business Finance Corp. will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $35,000, and the typical (median) CDC Small Business Finance Corp. loan is $150,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do CDC Small Business Finance Corp. SBA borrowers get?
On variable-rate loans, recent CDC Small Business Finance Corp. borrowers paid a median of prime + 3.91%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does CDC Small Business Finance Corp. lend in?
Most of CDC Small Business Finance Corp.'s recent SBA lending is concentrated in California, Texas, Arizona, among 20 states in total. Compare lenders by state.