North Texas Certified Development Corporation: SBA Lending Record

What SBA's own loan files show about North Texas Certified Development Corporation as an SBA lender, and how a lender's record bears on a feasibility study.

Daniel Smith, MAI

North Texas Certified Development Corporation: loans and programs

North Texas Certified Development Corporation has 356 approved loans in SBA's files, $452.0 million gross, FY2017 to FY2026. SBA lists North Texas Certified Development Corporation with the lender state TX. These 356 loans are ones that SBA shows North Texas Certified Development Corporation holding, now or before. For the 356 loans under 504 at North Texas Certified Development Corporation, the CDC is the recorded lender, never a first-lien lender. North Texas Certified Development Corporation does not guarantee these 356 loans; SBA does. Counts for North Texas Certified Development Corporation describe records only. Program split at North Texas Certified Development Corporation: 356 for 504, 0 for 7(a).

Asset classes and states in the North Texas Certified Development Corporation book

North Texas Certified Development Corporation has 180 loans, of 356, outside the classes followed on this site. Among followed classes, North Texas Certified Development Corporation runs: Child care center (37), Gas station and truck stop (20), Limited-service restaurant (15), Car wash (13), Full-service restaurant (13), Hotel and motel (10), Medical office (physicians) (9), Fitness center (9), Automotive mechanical repair (car and truck) (8), RV park and campground (6). Self storage closes the class list with 5 loans. Child care center borrowers can set a project beside 37 such loans at North Texas Certified Development Corporation. North Texas Certified Development Corporation shows 20 loans in Gas station and truck stop, the next class. Limited-service restaurant comes third at North Texas Certified Development Corporation, with 15 loans.

Cancellation and charge-off floors for North Texas Certified Development Corporation

Cancellations after approval for North Texas Certified Development Corporation, FY2017 to FY2024 approvals: 15.2% as a floor and a ceiling of 21.2%, which counts undisbursed loans. North Texas Certified Development Corporation shows floors, not final rates, so later losses within the cohort can only push it up. The charge-off floor for North Texas Certified Development Corporation on FY2017 to FY2021 disbursements reads 0.00%, from a cohort of 138 loans. The five-year view for North Texas Certified Development Corporation, measured from approval, reads 0.00%.

What a study should test with North Texas Certified Development Corporation

A study for Child care center brought to North Texas Certified Development Corporation has to test demand before anything. A study of Gas station and truck stop then weighs cost; North Texas Certified Development Corporation shows 20 loans there. Coverage of debt service follows, and $452.0 million across 356 loans at North Texas Certified Development Corporation never settles it for a project. An appraisal is needed too, and 15 Limited-service restaurant loans at North Texas Certified Development Corporation cannot do its job. North Texas Certified Development Corporation alone can say what it expects. Nothing implies approval, and North Texas Certified Development Corporation sets its own terms.

SBA loans held by North Texas Certified Development 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.

Loans approved, FY2017 to FY2026	356
Gross dollars approved	$452.0 million
SBA 7(a) loans	0
SBA 504 loans	356

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	15.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	21.2%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	0.00%
Charged off within five years of approval	0.00%
Loans in that cohort	138

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	180
Child care center	37
Gas station and truck stop	20
Limited-service restaurant	15
Car wash	13
Full-service restaurant	13
Hotel and motel	10
Medical office (physicians)	9
Fitness center	9
Automotive mechanical repair (car and truck)	8
RV park and campground	6
Rehabilitation and therapy clinic	6
Self storage	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

The state breakdown is withheld, so that no group of fewer than 5 loans can 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-0188355.

Related feasibility study pages

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 North Texas Certified Development Corporation or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

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