Community Investment Corporation: SBA Lending Record
What SBA's own loan files show about Community Investment Corporation as an SBA lender, and how a lender's record bears on a feasibility study.
Community Investment Corporation in the SBA files
Community Investment Corporation, a certified development company that SBA lists under CT, appears with 512 loans and $276.2 million of gross dollars approved across FY2017 to FY2026. The program split is 392 SBA 504 loans and 120 SBA 7(a). On 504 loans Community Investment Corporation is Community Investment Corporation of record, while the third-party first-lien lender is free text in the file and goes uncredited; on 7(a) loans SBA names the holder now or last. Everything here is a record of holdings, with SBA providing the guarantee.
A Connecticut book
The state table lists Connecticut with 433 loans, and 346 of the 512 have no named class. Among the named classes the full-service restaurant leads with 28, child care follows with 20, the fitness center has 14, beverage manufacturing 12 and the limited-service restaurant 10.
Approvals that fell away, loans written off
Community Investment Corporation lists 10.5% as the cancellation floor for FY2017 to FY2024 approvals. Count undisbursed loans as cancelled and 15.8% is the ceiling. Among 190 loans disbursed in FY2017 through FY2021, 3.2% (a floor) are charged off as of the data. The charge-off rate at five years stays blank as Loan Analytics' rule requires, since the loans behind it fall short; which is not the same as zero. Open loans at Community Investment Corporation may yet fail.
A mixed book needs a clear program choice
Because the file mixes both programs, a reader ought to name the program the project needs. A 504 financing carries a first-lien loan beside Community Investment Corporation's portion, and the work should show the equity, the entire capital stack and the cash flow serving each layers. A 7(a) project needs to show debt service coverage at a settled level and in a slower year.
What the class counts suggest
For a full-service restaurant, the leading class at 28 loans, the study tests sales per seat, table turns and occupancy cost against sales. For child care, 20 loans, it tests licensed capacity, tuition at full enrolment and the time to fill rooms. For a fitness center it tests membership depth, churn and build-out cost. Where a property type is not named, among 346 unclassified loans, the study must supply its own demand evidence. A project outside Connecticut should explain why this record bears on it, and every case needs a value the appraisal will bear.
SBA loans held by Community Investment Corporation
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 | 512 |
|---|---|
| Gross dollars approved | $276.2 million |
| SBA 7(a) loans | 120 |
| SBA 504 loans | 392 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 15.8% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.2% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 190 |
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 | 346 |
| Full-service restaurant | 28 |
| Child care center | 20 |
| Fitness center | 14 |
| Beverage manufacturing (breweries, wineries, distilleries) | 12 |
| Limited-service restaurant | 10 |
| Liquor store | 9 |
| Automotive mechanical repair (car and truck) | 8 |
| Medical office (physicians) | 8 |
| Hotel and motel | 7 |
| Gas station and truck stop | 6 |
| Assisted living (without nursing care) | 5 |
| Dental office | 5 |
| Caterers (includes banquet halls with catering staff) | 5 |
| Beauty salon | 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 |
|---|---|
| Connecticut | 433 |
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-0188252.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Community Investment Corporation or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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