CDC Small Business Finance Corp.: SBA Lending Record
What SBA's own loan files show about CDC Small Business Finance Corp. as an SBA lender, and how a lender's record bears on a feasibility study.
CDC Small Business Finance Corp. holds 4,613 loans approved from FY2017 to FY2026, worth $2.97 billion gross. For CDC Small Business Finance Corp., 7(a) accounts for 2,307 loans and 504 for 2,306. CDC Small Business Finance Corp. is lender on 2,307 7(a) loans and 2,306 504 loans. CDC Small Business Finance Corp. does not guarantee 4,613 loans; SBA does. CDC Small Business Finance Corp. projects: first-lien lenders are not credited.
Where CDC Small Business Finance Corp. loans sit
CDC Small Business Finance Corp. lists Full-service restaurant, 130, Limited-service restaurant, 125, Medical office (physicians), 93, Fitness center, 89 and Automotive mechanical repair (car and truck), 76 loans among its leading classes. 3,534 loans, the biggest CDC Small Business Finance Corp. group, sit outside the tracked classes. CDC Small Business Finance Corp.'s states by loans run California, 3,384, Arizona, 544, Nevada, 122, Texas, 113 and Florida, 84.
CDC Small Business Finance Corp. loans after approval
11.1% is the cancellation floor on CDC Small Business Finance Corp. approvals from FY2017 to FY2024. CDC Small Business Finance Corp. reaches a ceiling of 11.6%, counting undisbursed approvals as cancelled. CDC Small Business Finance Corp. has a charge-off floor of 7.8% to date. Its cohort, 2,129 loans, was disbursed in FY2017 to FY2021. CDC Small Business Finance Corp. reads 5.4% on the five-year view. CDC Small Business Finance Corp.: read each rate as a floor.
CDC Small Business Finance Corp. in a feasibility study
CDC Small Business Finance Corp. lists 130 loans in the Full-service restaurant class. CDC Small Business Finance Corp. study must prove site traffic. 130 Full-service restaurant loans leave seating demand open. CDC Small Business Finance Corp. study also needs comparable sales. CDC Small Business Finance Corp. lists 125 loans in the Limited-service restaurant class. CDC Small Business Finance Corp. study must prove occupancy cost. For 125 Limited-service restaurant loans, labour and food cost stays open. CDC Small Business Finance Corp. total of $2.97 billion says nothing about any one site. 3,534 CDC Small Business Finance Corp. loans fit no tracked class. CDC Small Business Finance Corp.: the project must carry the case. CDC Small Business Finance Corp.: 3,384 loans in California, each site needs local evidence. 2,306 504 loans at CDC Small Business Finance Corp.: show first-lien debt and equity. CDC Small Business Finance Corp. should be asked directly what it needs. 4,613 loans at CDC Small Business Finance Corp. do not measure demand at one site. CDC Small Business Finance Corp. totals trail supply near the site. CDC Small Business Finance Corp. study: written support behind each revenue figure. CDC Small Business Finance Corp. request needs build cost from quotes. CDC Small Business Finance Corp. request: coverage holds on cautious revenue. CDC Small Business Finance Corp. history cannot stand in for an appraisal. CDC Small Business Finance Corp. study should state its downside case. CDC Small Business Finance Corp.: assumptions stated, coverage tested, value supported. CDC Small Business Finance Corp. carries $2.97 billion in gross approvals on 4,613 loans. CDC Small Business Finance Corp. loan equity should be stated plainly.
CDC Small Business Finance Corp. cancellation rates use approvals through FY2024 only. CDC Small Business Finance Corp. totals add FY2025 and FY2026 approvals. The CDC Small Business Finance Corp. cohort holds 2,129 loans, disbursed FY2017 to FY2021. CDC Small Business Finance Corp. figures describe loans held, not lender practices. 4,613 loans cannot predict one new request to CDC Small Business Finance Corp.
SBA loans held by CDC Small Business Finance Corp.
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
One organisation under two SBA identifiers: a CDC (504) that also lends under 7(a), linked by equal normalised name and equal lender state (manifests/ld2/lender-links.csv).
| Loans approved, FY2017 to FY2026 | 4,613 |
|---|---|
| Gross dollars approved | $2.97 billion |
| SBA 7(a) loans | 2,307 |
| SBA 504 loans | 2,306 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.6% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 7.8% |
| Charged off within five years of approval | 5.4% |
| Loans in that cohort | 2,129 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 3,534 |
| Full-service restaurant | 130 |
| Limited-service restaurant | 125 |
| Medical office (physicians) | 93 |
| Fitness center | 89 |
| Automotive mechanical repair (car and truck) | 76 |
| Dental office | 72 |
| Coffee shop and snack bar | 65 |
| Child care center | 58 |
| Hotel and motel | 55 |
| Beauty salon | 43 |
| Beverage manufacturing (breweries, wineries, distilleries) | 32 |
| Rehabilitation and therapy clinic | 26 |
| Gas station and truck stop | 20 |
| Self storage | 20 |
| Assisted living (without nursing care) | 19 |
| School (elementary and secondary, including charter) | 18 |
| Liquor store | 18 |
| Car wash | 17 |
| Caterers (includes banquet halls with catering staff) | 16 |
| Warehouse and distribution | 13 |
| Veterinary clinic | 13 |
| Behavioral health and addiction treatment | 12 |
| Grocery store | 12 |
| Skilled nursing | 9 |
| Data center | 9 |
| Life science lab (research and development) | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| California | 3,384 |
| Arizona | 544 |
| Nevada | 122 |
| Texas | 113 |
| Florida | 84 |
| Michigan | 62 |
| Georgia | 52 |
| Maryland | 32 |
| New York | 26 |
| Virginia | 25 |
| Illinois | 18 |
| North Carolina | 17 |
| Colorado | 12 |
| Washington | 12 |
| District of Columbia | 11 |
| New Jersey | 11 |
| Missouri | 9 |
| Hawaii | 5 |
| Indiana | 5 |
| Tennessee | 5 |
| Utah | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-cdc-0188309.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
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- California Statewide Certified Development Corporation: SBA Lending Record
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