CDC Small Business Finance / Momentus Capital — Small Business Loans
CDC Small Business Finance (Momentus Capital family of organizations)
$30K–$350K (504: up to $30M+)
Researched for this program: 5 rejection traps · 6 required documentsWhat decides this award ↓
Mission-based SBA business lender
CDC Small Business Finance is the nation's leading mission-based, nonprofit SBA small business lender and a part of the Momentus Capital branded family of organizations (alongside Capital Impact Partners). Its core small business loan is an SBA 7(a) Community Advantage product of $30,000 to $350,000 aimed at new and existing owners, including low-to-moderate-income entrepreneurs who struggle to qualify for conventional bank financing. The lender also originates SBA 504 commercial real estate and equipment loans of $250,000 to $30 million-plus. Over four decades it has provided 12,000+ small business owners more than $20 billion in financing. Lending is place-based, concentrated in major metros across California, Arizona, Georgia, Michigan, Nevada, Texas, New York, and the Washington D.C. metro.
- Funding type
- Loan
- Level
- Private
- Amount range
- $30,000 – $30,000,000
- Realistic amount
- A typical small business borrower receives an SBA 7(a) Community Advantage working-capital loan in the $30,000–$350,000 range. Larger amounts are SBA 504 real estate/equipment loans for established businesses buying property.
- Deadline
- Rolling
- Status
- active
- States
- California, Arizona, Georgia, Michigan, Nevada, Texas, New York, Washington, D.C.
- Payment model
- loan
Who qualifies
- For-profit small business operating in one of the focus metros (California regions, Phoenix AZ, Atlanta GA, Detroit MI, Las Vegas NV, Dallas-Fort Worth TX, New York, or the Washington D.C. metro)
- Meets SBA size standards for a small business
- Owner-operated; demonstrates ability to repay from business cash flow
- SBA 7(a) Community Advantage product specifically serves new and existing owners, including low-to-moderate-income entrepreneurs
- SBA 504 product requires owner-occupied commercial real estate or major equipment purchase
- Standard SBA eligibility: for-profit, US-based, not engaged in ineligible activities
What it covers
Eligible expenses
- Working capital and operating expenses
- Inventory and supplies
- Equipment and machinery
- Owner-occupied commercial real estate purchase or improvement (504)
- Business acquisition
- Tenant improvements and renovations
Ineligible expenses
- Speculative real estate investment
- Ineligible business types under SBA rules (e.g., lending, gambling, pyramid sales)
- Personal, non-business expenses
How to apply
-
1
Confirm you are in a focus geography
Check that your business is in one of CDC Small Business Finance's place-based markets (CA metros, Phoenix, Atlanta, Detroit, Las Vegas, Dallas-Fort Worth, New York, or DC metro). Lending is concentrated there rather than fully nationwide.
~0.5 hrs
-
2
Start an inquiry and speak with a loan expert
Submit an inquiry through cdcloans.com. A loan expert helps you identify the right product (7(a) Community Advantage working capital vs. SBA 504 real estate) and walks through documents. Free small business advising is available alongside lending.
~2 hrs
-
3
Assemble financials and submit the full application
Provide business and personal financial statements, tax returns, a business plan or projections (for newer businesses), and details of the use of funds. The lender packages the SBA application.
~8 hrs
-
4
Underwriting, SBA approval, and closing
The loan is underwritten and submitted to the SBA. On approval, you execute loan documents and funds are disbursed. 504 real estate loans involve a longer escrow/closing process than working-capital 7(a) loans.
~6 hrs
The SBA 7(a) Community Advantage product is built for borrowers banks turn away — low-to-moderate-income owners and newer businesses. If a conventional bank declined you, this is often the next, more forgiving door. Use the free advising before you formally apply; a stronger package materially improves approval odds.
Deadline & timing
Applications accepted on a rolling basis; the lender originates loans continuously. SBA 504 rates are republished each funding cycle — for example, a rate effective June 11, 2026 was posted on the program page.
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