California Statewide CDC

What California Statewide CDC does

California Statewide CDC is a non-profit Certified Development Company founded in 1988 and headquartered in California, operating under the SBA 504 loan program as a Premier Certified Lender. The organization originates and services below-market, long-term fixed-rate financing for small businesses investing in fixed assets — primarily commercial real estate, heavy equipment, and green technology upgrades. Its core product is the SBA 504 loan, supplemented by targeted programs for rural borrowers, Native American entrepreneurs, and adjustable-rate loan refinancing, plus add-on offerings for working capital and business acquisitions.

The company's go-to-market is relationship-driven, relying on a toll-free contact line (1-800-982-9192), a website with calculators and educational content, and a two-sided distribution model in which traditional lenders and brokers refer SBA-eligible borrowers to Statewide CDC for processing. The firm holds the SBA's Premier Certified Lender designation, the highest tier of certification in the 504 program, which grants expedited underwriting and approval authority. Current published SBA 504 rates (as of July 2026 documentation) range from 5.93% to 6.21%, with note rates of 5.08%-5.09%, and borrowers can finance up to 90% of project costs with terms up to 25 years.

Revenue mechanics are standard for a CDC: origination fees at loan closing plus ongoing servicing income on the retained portfolio. As a non-profit, surplus revenue supports operations rather than shareholder returns; no parent company, subsidiaries, or external funding are disclosed. No revenue figures, headcount, or loan origination volumes are publicly available in source material.

Name

California Statewide CDC

Legal name

California Statewide CDC

Website

https://calstatewide.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

California Statewide CDC is a non-profit Certified Development Company founded in 1988 that originates and services SBA 504 loans for small businesses in California purchasing real estate, equipment, or green technology upgrades, operating as a Premier SBA Certified Lender.

Ownership category

akta.pro rank

Product category

Commercial Lending / SBA 504 Lending

SIC

Miscellaneous Business Credit Institution (6159), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

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

akta.pro secondary industries

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), National/Regional Development Finance Institutions (DFIs) (FSABAKAB)

Keywords

• SBA 504 loans
• Small business lending
• Commercial real estate financing
• CDC loan programs
• Fixed asset financing

Headquarters

HQ city

Brea

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. SBA 504 Loan Origination and Servicing: As a Certified Development Company (CDC), Statewide CDC generates revenue through the SBA 504 loan program by originating loans for small businesses purchasing fixed assets (real estate, equipment). They earn origination fees and servicing income on loans closed through the program. Being a non-profit, revenue supports operational costs rather than shareholder returns.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

California Statewide CDC is a non-profit Certified Development Company that originates and services SBA 504 loans for small business owners purchasing fixed assets (real estate, equipment, green technology upgrades). It also offers specialized loan programs for rural small businesses, Native American-owned businesses, and loan refinancing, supported by SBA Premier Certified Lender status that enables expedited loan processing.

Product overview

California Statewide CDC operates as a single unified lending platform offering SBA 504 loan programs as its core product, supplemented by specialized loan programs for rural businesses and Native American business owners. The company provides a comprehensive suite of financing solutions including heavy equipment financing, working capital, and business acquisition loans. All offerings are delivered through their role as a Premier SBA Certified Lender with over 35 years of experience in small business lending.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 504 Loan Government-backed loan program offering below-market fixed interest rates, up to 90% financing, and terms up to 25 years for small businesses to purchase, build, or renovate real estate, buy equipment, or upgrade to green technology.
• Rural Small Business Loan Program Financing solutions designed for rural small business owners, supporting business expansion and operations in rural California areas.
• Native American Small Business Loan Specialized financing program for Native American small business owners, part of Statewide CDC's commitment to underserved communities.
• Loan Refinance Program Options to refinance existing adjustable-rate loans, helping small business owners secure better terms and improve cash flow.

Quantifiable outcome

• Finance up to 90% of project costs
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerStatewide CDC operates as a Certified Development Company (CDC) under the SBA 504 loan program. As an SBA Premier Certified Lender, they have the authority to process and approve loans with expedited turnaround times. This partnership is the foundation of their entire lending operation, enabling them to offer below-market interest rates and favorable loan terms to small businesses.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Pacific Community Ventures: California-based community development organization supporting small businesses with capital and advisory services. Comparable as a California-focused mission-driven small business capital provider serving similar SMB segments.
• Opportunity Fund: California-based CDFI providing small business loans to underserved entrepreneurs. Comparable as a mission-driven, non-profit small business lender in the same California geography, though more focused on microloans than SBA 504 fixed-asset financing.
• Boston Community Capital: Massachusetts-based CDFI providing financing for small businesses, housing, and community facilities. Comparable as a mission-driven community development lender offering structured capital to underserved borrowers in a defined regional market.
• Coastal Enterprises Inc. Maine-based CDFI providing small business financing in rural and underserved communities. Comparable as a mission-driven regional development finance institution offering small business capital, with rural focus similar to Statewide CDC's rural lending program.

Emerging players

• Kiva: International nonprofit crowdlending platform facilitating small business loans to underserved entrepreneurs. Comparable as a mission-driven small business lender serving similar demographics; differentiated by crowdfunding model.
• Accion: National nonprofit small business lender providing loans and resources to underserved entrepreneurs. Comparable as a mission-driven alternative small business capital provider, with overlapping SMB customer base though broader product set.

Others

• National Association of Development Companies (NADCO): Industry trade association representing CDCs nationwide. Comparable as the institutional ecosystem of which Statewide CDC is a member, governing SBA 504 program standards and representing CDC interests federally.
• U.S. Small Business Administration (SBA): Federal agency that administers the SBA 504 loan program under which Statewide CDC operates as a Premier Certified Lender. Comparable as the regulatory and program partner whose policies directly govern Statewide CDC's lending operations.

Direct peers

• CDC Small Business Finance: Another California-based Certified Development Company that originates SBA 504 loans for small businesses. Direct competitor in the same California market, serving the same borrower profile with overlapping SBA Premier Certified Lender capabilities.
• California Capital Financial Development Corporation: A California-based Certified Development Company providing SBA 504 loans to small businesses across the state. Closest direct peer, competing for the same California small business borrowers and partner banks/brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

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 California Statewide CDC