Capital CDC
Capital CDC is a privately held Certified Development Company based in Austin, Texas that provides SBA 504 loans to small businesses across Texas, New Mexico, and Arkansas. Founded in 1993, the firm operates with a staff of 11 to 50 employees.
- Company typePrivate
- Founded1993
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Capital CDC does
Capital CDC is a privately held, for-profit Certified Development Company (CDC) headquartered in Austin, Texas, founded in 1993. The firm provides SBA 504 loans to small businesses operating across Texas, New Mexico, and Arkansas. SBA 504 loans are a U.S. Small Business Administration financing program delivered through SBA-certified CDCs, typically structured as long-term, fixed-rate financings used for owner-occupied commercial real estate, major equipment purchases, and modernization of existing business facilities. Capital CDC serves small business borrowers that generally cannot obtain comparable conventional bank financing, acting as an intermediary packaging the SBA-guaranteed debenture portion alongside a participating commercial bank.
The firm operates with a small team of 11 to 50 employees and is privately held with no public ticker. Its revenue mechanics are consistent with standard CDC economics: origination and packaging fees on closed loans, ongoing servicing fees on the retained or sold portfolio, and the spread retained on the SBA-guaranteed debenture sold into the secondary market. Capital CDC does not appear to be the direct capital provider for the SBA-guaranteed portion of each loan; rather, its role is origination, packaging, and servicing within the federally regulated SBA 504 framework.
Operationally, Capital CDC's go-to-market is relationship-driven and geographically bounded to three contiguous south-central U.S. states. No additional data was available regarding headcount composition, technology infrastructure, executive leadership, capital structure, or transaction-level loan volume in the input set, and the firm's public website was inaccessible during data collection.
Capital CDC firmographics
Firmographics- Name
- Capital CDC
- Website
- https://capitalcdc.com
- Company type
- Private
- Founded year
- 1993
- Headcount range
- 11–50 employees
- Short description
- Capital CDC is a privately held Certified Development Company based in Austin, Texas that provides SBA 504 loans to small businesses across Texas, New Mexico, and Arkansas. Founded in 1993, the firm operates with a staff of 11 to 50 employees.
- Ownership category
- akta.pro rank
Capital CDC industry classification
Industry- Product category
- SBA 504 Small Business Lending
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
- akta.pro secondary industries
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where Capital CDC is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Markets served
Capital CDC business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Capital CDC product offering
Product offeringCore offering
Capital CDC provides SBA 504 loans to small businesses in Texas, New Mexico, and Arkansas. As a Certified Development Company (CDC), it administers the SBA 504 loan program — a long-term, fixed-rate financing product used by small businesses to acquire owner-occupied commercial real estate, machinery, or equipment. Capital CDC originates loans for its three-state regional market from its Austin, Texas base.
Differentiator
Problem solved
Functional benefit
Products and services
- SBA 504 Loan Program Long-term, fixed-rate SBA 504 loan financing for for-profit small businesses in Texas, New Mexico, and Arkansas, used to acquire owner-occupied commercial real estate, purchase machinery, or acquire equipment. The SBA 504 program is designed for small businesses that may not qualify for, or prefer not to use, conventional bank financing.
Companies that use Capital CDC
Customer profileIdeal customer profiles1 record
Capital CDC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capital CDC competitors and assessment
Company assessmentDirect peers
- Accion Opportunity Fund: National nonprofit small business lender with strong Texas presence that competes for SBA-backed and small-dollar small-business loans in Capital CDC's served geographies.
- LiftFund: Texas-origin CDFI providing small business loans across the South and Southwest, competing with Capital CDC for SBA-backed and conventional small-business credits.
- PeopleFund: Texas-based nonprofit small business lender offering SBA and conventional loans, directly overlapping Capital CDC's Texas footprint and small-business customer base.
- DreamSpring: New Mexico-rooted CDFI serving small businesses across the Southwest; competes with Capital CDC for similar borrowers in New Mexico.
- National Development Council: Multistate Certified Development Company delivering SBA 504 financing to small businesses across multiple regions, comparable in product and operating model to Capital CDC.
- BCL of Texas: Texas-based Certified Development Company providing SBA 504 loans to small businesses, directly mirroring Capital CDC's core product and primary geographic market.
- Pacific Coast Regional Small Business Development Corporation: California-based CDC originating SBA 504 loans to small businesses; uses the same federal program structure as Capital CDC, differing primarily by geography.
- CDC Small Business Finance Corporation: One of the largest Certified Development Companies in the U.S., originating SBA 504 loans — the same government-backed product that is Capital CDC's exclusive focus.
Broad incumbents
- Live Oak Bank: Largest SBA 7(a) lender in the U.S. and an active SBA 504 participant; competes broadly with smaller CDCs like Capital CDC on government-backed small-business loans nationwide.
- Texas Capital Bank: Texas-headquartered commercial bank with SBA and small-business lending capabilities that overlap with Capital CDC's SBA 504 product, though from a full-service banking platform.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat2 records
Key risks6 records
Key highlights5 records
Customer concentration
Capital CDC social profiles
Digital presenceCapital CDC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital CDC leadership team
Management profileNumber of profiles
Capital CDC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital CDC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital CDC
What does Capital CDC do?
Capital CDC provides SBA 504 loans to small businesses in Texas, New Mexico, and Arkansas. As a Certified Development Company (CDC), it administers the SBA 504 loan program — a long-term, fixed-rate financing product used by small businesses to acquire owner-occupied commercial real estate, machinery, or equipment. Capital CDC originates loans for its three-state regional market from its Austin, Texas base.
When was Capital CDC founded?
Capital CDC was founded in 1993. It employs 11 to 50 people.
Where is Capital CDC based?
Capital CDC is headquartered in Austin, United States, in the North America region.
Who are Capital CDC's main competitors?
Direct peers on record are Accion Opportunity Fund, LiftFund, PeopleFund, DreamSpring, National Development Council, BCL of Texas, Pacific Coast Regional Small Business Development Corporation and CDC Small Business Finance Corporation. Broad incumbents are Live Oak Bank and Texas Capital Bank.
Does Capital CDC have an API?
No public API is recorded for Capital CDC.
What industry is Capital CDC in?
Capital CDC's product category is SBA 504 Small Business Lending. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans, with a secondary code of FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 52222 and its SIC code is 6159.