Cambridge Capital Management Corp.

What Cambridge Capital Management Corp. does

Revenue is generated through a mix of origination and servicing fees on SBA 504 loans, interest spread on mezzanine debt priced at 18-22% (ICBCC), interest income from SBIC debt investments (Cambridge Ventures), and structuring/fund management fees on NMTC allocations. Distribution is entirely relationship-driven: the company does not lend directly to consumers but operates as a partner to 30+ Indiana banks that originate the primary loan, with Cambridge Capital providing the subordinate SBA debenture or mezzanine piece. Loan officers conduct site visits, assemble application packages, and personally guide borrowers through underwriting and closing. Pricing is quote-based and customized to borrower circumstances rather than published. Since 1983 the platform has cumulatively deployed over $552M to 1,300+ Indiana companies, with ISCDC alone serving 1,700+ borrowers.

Name

Cambridge Capital Management Corp.

Legal name

Cambridge Capital Management Corp.

Website

https://cambridgecapitalmgmt.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

1–10 employees

Short description

Cambridge Capital Management Corp. is an Indianapolis-based specialty finance company managing non-traditional growth capital for Indiana SMBs through SBA 504 loans, NMTC pools, mezzanine financing, SBIC investments, and minority-business lending in partnership with 30+ Indiana banks.

Ownership category

akta.pro rank

Product category

Small Business Lending Services

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

Venture Debt Providers (FSANAAAL)

Keywords

• SBA 504 loans
• Mezzanine financing
• Small business lending
• Growth capital
• Minority business lending

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. SBA 504 Loan Program Fees: Revenue generated from SBA 504 loan origination fees, servicing fees, and interest income from the debenture portion of loans. Indiana Statewide CDC (ISCDC) provides 40% of financing and earns fees from the SBA program.
2. Credit Corp Mezzanine Financing: Subordinate collateral position financing providing $100,000-$500,000 to eligible companies. Revenue from interest payments and transaction fees, with pricing targeted at 18-22% comprising current interest and variable transaction fees.
3. Cambridge Ventures Growth Capital: Small Business Investment Company (SBIC) providing $100,000 to $1,000,000 in growth capital, structured as debt financing to companies within 200 miles of Indianapolis.
4. Lynx Capital Minority Business Lending: Growth capital to minority-owned businesses in Indiana with minimum project size of $75,000, providing guidance and financing tools.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Cambridge Capital Management Corp. is a private Indianapolis-based financial company that manages non-traditional sources of growth capital for Indiana small and medium-sized businesses that may not qualify for conventional loans. It operates a portfolio of specialized lending programs — SBA 504 loans, New Market Tax Credit loan pools, mezzanine financing, SBIC growth capital, and minority-owned business lending — delivered primarily in partnership with over 30 Indiana banks.

Product overview

Cambridge Capital Management Corp. offers a comprehensive portfolio of non-traditional financing solutions for Indiana businesses through six distinct programs. The core offerings include SBA 504 Loans managed by Indiana Statewide Certified Development Corporation (ISCDC) for real estate and equipment financing; New Market Tax Credit Loan Pools for distressed area companies; Lynx Capital Corporation for minority-owned businesses; Indiana Community Business Credit Corporation for mezzanine financing; Cambridge Ventures, L.P. for growth capital as an SBIC; and an online 504 Loan Calculator tool. These programs work together to provide flexible capital solutions from $75,000 to over $5 million for businesses that may not qualify for conventional loans.

Differentiator

Problem solved

Functional benefit

Brands

• Indiana Statewide Certified Development Corporation: SBA 504 loan program providing long-term fixed rate financing for real estate and equipment
• Cambridge Ventures
• Lynx Capital Corporation
• Indiana Community Business Credit Corporation
• Grow Indianapolis Fund
• Grow Indiana Fund

Products and services

• SBA 504 Loans (Indiana Statewide Certified Development Corporation)

Quantifiable outcome

• Over $552 million provided to 1,300+ Indiana companies over 40+ years
• +4 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• Hubbard & Cravens CoffeeminorOthersICBCC provided mezzanine financing to Hubbard & Cravens Coffee in 2012, bridging subordinated debt with traditional bank financing to help secure better vendor contracts and support growth.
• Oatts TruckingminorOthersLYNX Capital provided equipment financing and working capital to Oatts Trucking, helping company evolve from one-man dump truck operation to trucking industry leader.
• US HydrovacminorOthersUS Hydrovac (certified minority-owned) partnered with LYNX Capital Corporation and ICBCC for strategic financing to fuel growth. Company recognized as Top 25 Fastest Growing Companies in Indiana 2022-2023.
• HG MetalsminorOthersLYNX Capital provided working capital injection to HG Metals during post-2009 recession recovery, helping company fill customer orders and avoid closure.
• ePackage SupplyminorOthersCambridge Ventures, L.P. provided early growth capital to ePackage Supply (Elberfeld, IN), manufacturer of shipping containers and packaging solutions. Loan fully repaid; company now has new investment from Michael Wittmeyer.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TMC Financing: TMC Financing is one of the largest SBA 504 Certified Development Companies in the U.S., providing long-term, fixed-rate financing for owner-occupied commercial real estate primarily in California. It runs the same CDC business model as Cambridge Capital's ISCDC subsidiary, with parallel bank-partner origination and SBA 504 program focus.
• National Development Council: NDC is a national nonprofit economic development organization providing SBA 504 lending, business development, and real estate consulting to underinvested communities. Comparable to Cambridge Capital in its mix of SBA 504 lending, NMTC activity, and mission-driven growth capital for underserved small businesses.
• Accion: Accion is a global nonprofit CDFI providing small business loans and advisory support to underserved entrepreneurs, with particular focus on minority, women, and immigrant-owned businesses. Comparable in mission and target borrower to Cambridge Capital's Lynx Capital minority business lending program.
• Grameen America: Grameen America is a nonprofit microfinance organization providing small business loans to low-income women entrepreneurs across the U.S. Comparable in mission to Cambridge Capital's programs serving borrowers who don't qualify for conventional financing, though at smaller ticket sizes.
• Coastal Enterprises: CEI is a Maine-based CDFI providing small business financing, SBA lending, and technical assistance to underserved communities and growing businesses. Comparable to Cambridge Capital in its mix of SBA, NMTC, and targeted community development lending concentrated in a single region.

Emerging players

• SmartBiz: SmartBiz is a fintech platform specializing in SBA 7(a) and 504 loan origination through a streamlined digital experience for small businesses. Competes with Cambridge Capital's referral-based distribution by reaching borrowers directly through online channels rather than bank partner referrals.
• Kiva: Kiva is a nonprofit crowdfunding platform providing 0%-interest loans to small businesses and entrepreneurs, with a focus on financially excluded and underserved borrowers in the U.S. and abroad. Comparable target market to Cambridge Capital's programs for borrowers outside conventional banking.

Broad incumbents

• LISC: Local Initiatives Support Corporation (LISC) is one of the largest U.S. CDFIs, providing loans, investments, and grants for community development across housing, health, education, and small business. Operates at much larger scale than Cambridge Capital and serves small business as one segment of a broader community development mandate.
• Capital Impact Partners: Capital Impact Partners is a national CDFI providing loans and capacity-building services to underinvested communities, including small business financing. Larger and broader in scope than Cambridge Capital, with similar mission alignment around community economic development.

Others

• Opportunity Finance Network: Opportunity Finance Network is the national membership association of CDFIs, providing capital, policy advocacy, and capacity-building to its CDFI members. Not a direct competitor, but functions as the industry trade body and capital intermediary of which Cambridge Capital-aligned entities could be members.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cambridge-capital-management-cor

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cambridge Capital Management Corp.