Community Business Finance

What Community Business Finance does

Community Business Finance is a Houston-based, for-profit Certified Development Company (CDC) that has been operating since 2005 to provide SBA 504 loans to small businesses in need of long-term, fixed-rate financing for owner-occupied commercial real estate and major equipment purchases. The SBA 504 program is a multi-party structure in which a conventional bank typically provides 50% of project financing, the CDC packages a 40% SBA-guaranteed debenture, and the borrower contributes the remaining 10% — Community Business Finance's role is to originate, underwrite, and service the CDC/SBA portion of that stack for its target borrowers.

The firm operates with a very small team of 1–10 employees and runs as a privately held for-profit entity. Its core "product" is not a technology platform but a regulated credit product: SBA-guaranteed debenture funding delivered through the CDC's certification, combined with the localized advisory and packaging work required to close each project. The business model therefore depends on CDC-level SBA certification, ongoing referral relationships with commercial banks and SBA resource partners, and the ability to move individual loan files through SBA approval and debenture sale/pooling. Recurring economics come from origination fees and ongoing servicing/portfolio income on the retained 504 debenture position.

The available evidence on the business is thin: the company's public website currently displays only a verification/loading page rather than operational content, and there are no disclosed customer logos, deal volumes, team profiles, funding history, M&A, partnerships, technology stack, or pricing details in the input. As a result, while the company's function is well-defined, its current scale, growth momentum, and competitive positioning within the Houston-area SBA 504 market cannot be verified beyond the firmographic baseline.

Name

Community Business Finance

Website

https://communitybusinessfinance.com

Company type

Private

Founded year

2005

Headcount range

1–10 employees

Short description

Community Business Finance is a Houston-based SBA 504 Certified Development Company founded in 2005 that provides fixed-rate real estate and equipment financing to small businesses through the SBA 504 loan program.

Ownership category

akta.pro rank

Product category

SBA 504 Small Business Lending

NAICS

Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• SBA 504 loans
• Commercial real estate financing
• Equipment financing
• Small business lending
• CDC loan program

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D

Core offering

Community Business Finance provides SBA 504 loans to small businesses seeking financing for owner-occupied commercial real estate and major equipment purchases. The company acts as a Certified Development Company (CDC), packaging and servicing these long-term, fixed-rate government-backed loans.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 504 Loans

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Broad incumbents

• Byline Financial Group (Byline Bank): Community-focused commercial bank with a significant SBA 504 and 7(a) origination platform—overlaps in SBA product range but offers a much broader suite of commercial and retail services.

Direct peers

• CDC Small Business Finance (CDC USA): One of the largest SBA 504 Certified Development Companies in the U.S., focused on SBA 504 real estate and equipment financing for small businesses—directly comparable to Community Business Finance's core product.
• Live Oak Bank: Public U.S. lender with one of the largest SBA 7(a) and 504 originations franchises serving small businesses; the most cited pure-play comparable for SBA-driven small business lending.
• Mountain West Small Business Finance: Regionally-focused CDC originating SBA 504 loans for owner-occupied commercial real estate—analogous model to a regional 504 specialist.
• Newtek Small Business Finance: Nonbank SBA 7(a) and 504 lender serving small businesses nationwide; direct competitor for SBA-backed commercial loan origination.
• ReadyCap Lending: SBA-focused nonbank lender specializing in SBA 504 and 7(a) loans for owner-occupied commercial real estate and franchised small businesses—closely aligned product mix.

Emerging players

• Celtic Bank: Top-ranked SBA 7(a) lender and SBA Preferred Lender, with overlap into SBA 504-like commercial lending—competes for similar small business borrowers but from a much larger capital base.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/community-business-finance

Revenue estimate

Valuation estimate

Number of profiles

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 Community Business Finance