CDC Small Business Finance Corp.

This is a financial institution that offers SBA loan programs to small businesses, providing funding options for growth, equipment, and refinancing needs. You can find personalized assistance and expert guidance to help you navigate the loan process and secure the capital you need.

Ask CDC Small Business Finance Corp. directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check CDC Small Business Finance Corp.'s website or call before you visit.

Browsing this directory is free. Any loan fees are set by CDC Small Business Finance Corp. and the SBA program — ask the lender for its current schedule.

This lender primarily serves small business owners and entrepreneurs, with a focus on residents and businesses within the San Diego region and nationally for SBA loans.

Yes — non-bank lenders like CDC Small Business Finance Corp. often work with borrowers whose personal credit falls below the 640 mark that many banks treat as a floor. They tend to weigh business cash flow, time in operation, and overall fit alongside your credit score. Approval and terms still depend on your full profile, so ask CDC Small Business Finance Corp. what minimum it looks for.

Many non-bank lenders run a largely online process — application, document upload, and verification handled digitally, often with faster decisions than a traditional branch. Whether CDC Small Business Finance Corp.'s pipeline is fully digital from start to finish depends on the provider. Check CDC Small Business Finance Corp.'s website or ask their team how much of the process you can complete online.

Most bank SBA teams work weekdays; confirm with CDC Small Business Finance Corp. before planning a weekend visit.

CDC Small Business Finance Corp. operates largely online and by phone as a non-bank lender, so most clients never need to travel to an office. If an in-person meeting is offered, CDC Small Business Finance Corp. will share the address and parking details when you schedule. Start by reaching out using the contact information on this page.

This page is an independent directory listing for CDC Small Business Finance Corp., an SBA-participating non-bank lender (a development company or community fund). It is maintained by SBA Lenders USA to help borrowers compare lenders — not by CDC Small Business Finance Corp. itself, which runs its own lending under its own ownership. If you work at CDC Small Business Finance Corp., you can claim this listing from this page to manage it.

The core details for CDC Small Business Finance Corp. — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with CDC Small Business Finance Corp. before applying. If you represent CDC Small Business Finance Corp., claim this listing to keep its information up to date.

You can reach CDC Small Business Finance Corp. by phone at (619) 291-3594 or online at cdcloans.com — the same details are in the contact card on this page.

Non-bank lenders like CDC Small Business Finance Corp. usually place more weight on business revenue, cash flow, and time in business, and less on a high personal credit score or hard collateral than a traditional bank. That can mean faster approvals and more flexibility, sometimes at a higher cost. Ask CDC Small Business Finance Corp. what it requires and how its criteria compare for your situation.

Generally no — non-bank lenders typically do not hold deposit accounts, so CDC Small Business Finance Corp. usually cannot and will not require you to move your business checking to them, and you keep your existing bank for day-to-day banking. A deposit-relationship requirement is far more common at traditional banks, but confirm the specifics with CDC Small Business Finance Corp..

Many non-bank and online lenders are comfortable with asset-light businesses — software, services, e-commerce, and online retail — because they underwrite on cash flow and revenue rather than physical collateral. That said, CDC Small Business Finance Corp. sets its own focus and may serve a broad mix of industries. Ask CDC Small Business Finance Corp. whether your field and business model fit what it typically funds.

Non-bank financing can come as fixed or variable term loans, lines of credit, or revenue-based structures, and rates are often higher than a traditional SBA bank loan to reflect faster funding and looser criteria. The cost may be quoted as an APR or a factor rate. Ask CDC Small Business Finance Corp. for the full APR and total repayment amount so you can compare offers fairly.

Refinancing or consolidating expensive merchant cash advances into a lower-cost term loan is a common goal, and some non-bank lenders and SBA programs allow it when the numbers support it. Eligibility depends on your cash flow and the existing debt. Ask CDC Small Business Finance Corp. whether it refinances merchant cash advances and what it would take to qualify.

In many SBA-backed deals a seller note can count toward part of the borrower's required equity injection, often when it is placed on full standby for a set period. Whether CDC Small Business Finance Corp. permits this, and on what terms, depends on the lender and the SBA rules in play. Confirm with CDC Small Business Finance Corp. how it treats seller notes in your specific deal.

Some lenders take part in SBA export and trade programs such as the Export Working Capital Program or the International Trade Loan, which support businesses that sell abroad. Availability varies and not every non-bank lender offers them. If you export or plan to, ask CDC Small Business Finance Corp. whether it offers export or international trade financing.

If an appraisal or valuation comes in below the agreed purchase price, the gap usually has to be covered — by renegotiating the price, the buyer adding more cash, or the seller carrying a larger note — because lenders generally lend against the lower of cost or appraised value. Ask CDC Small Business Finance Corp. how it handles a valuation shortfall before you commit.