IHCA - Certified Development Companies
Click this regional map to search for the SBA Certified Development Company Nearest You
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Find a Certified Development Company
in your area:
Certified Development Companies
Certified Development Companies
A Certified Development Company (CDC) is a community-based company approved (certified)
by SBA to promote economic growth within its area of operations.

The SBA 504 Loan Program is funded through the sale of Certified Development Company
(CDC) debentures that are fully guaranteed by SBA. Private investors that are looking for fixed
income streams guaranteed by the Fed find this investment attractive. Examples of private
investors include pension funds, life insurance companies, large banks, and individuals under
certain circumstances. The source of program funding is entirely private. The Federal
Government is a guarantor only. Program fees charged to the Program's participants
reimburse the Federal Government for the subsidy expense associated with the guaranty.
Bank and non-bank first mortgage lenders, Certified Development Companies, and the
borrowers are the source of Federal subsidy reimbursement. This is a no cost program to the
Federal Government. Certified Development Companies are a great resource for a small
business owner looking for funding.
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