Lenders › Capital Certified Development Corporation
504 CDCAustin, Texascertified development company13th of 182 by approvals
Capital Certified Development Corporation
SBA 504 loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Capital Certified Development Corporation, based in Austin, Texas, is a certified development company (CDC) that makes SBA 504 loans. SBA approved 740 of its 504 loans worth $1.02bn in FY2021 to FY2025, which places it 13th of 182 active CDCs by number of approvals.
In FY2025, the latest complete fiscal year, it had 150 approvals totalling $230M, up 25% on FY2024 (120). FY2026 to 30 Jun 2026 adds 104 more.
The median approval was $933K, against $657K for the 504 program as a whole; 2.4% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 5 states and territories and 111 counties, led by Texas (86.6%), New Mexico (12.0%) and Arkansas (1.1%). The largest industry group was accommodation and food services at 17.8% of approvals, and 14.6% of approvals were to franchise businesses.
Of 1,118 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (1.3%), 577 as paid in full and 526 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 104 | $159M | $1.1M | $1.5M | 1,476 |
| FY2025 | 150 | $230M | $1.1M | $1.5M | 1,682 |
| FY2024 | 120 | $218M | $1.3M | $1.8M | 1,821 |
| FY2023 | 117 | $191M | $1.0M | $1.6M | 1,847 |
| FY2022 | 190 | $216M | $867K | $1.1M | 1,824 |
| FY2021 | 163 | $166M | $694K | $1.0M | 1,380 |
| FY2020 | 121 | $122M | $645K | $1.0M | 1,226 |
| FY2019 | 85 | $86.6M | $693K | $1.0M | 812 |
| FY2018 | 92 | $94.7M | $789K | $1.0M | 693 |
| FY2017 | 99 | $87.0M | $621K | $879K | 835 |
| FY2016 | 110 | $129M | $749K | $1.2M | 898 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 507 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Texas | 504 program |
|---|---|---|---|
| Approvals in these years | 1,374 | 4,161 | 85,591 |
| Cancelled or never disbursed | 256 | 663 | 12,514 |
| Disbursed loans | 1,118 | 3,498 | 73,077 |
| Paid in full | 577 | 1,831 | 35,491 |
| Charged off | 15 | 72 | 905 |
| Still outstanding (status exempt from disclosure) | 526 | 1,595 | 36,681 |
| Charged off, share of disbursed loans | 1.3% | 2.1% | 1.2% |
| Dollars charged off, share of disbursed dollars | 1.6% | 1.8% | 0.9% |
| Dollars charged off | $15.0M | $57.3M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 132 | 19 | 0 | 0.0% | 0.1% |
| FY2020 | 98 | 19 | 0 | 0.0% | 0.1% |
| FY2019 | 72 | 13 | 0 | 0.0% | 0.3% |
| FY2018 | 79 | 24 | 1 | 1.3% | 0.4% |
| FY2017 | 79 | 42 | 0 | 0.0% | 0.8% |
| FY2016 | 93 | 43 | 3 | 3.2% | 1.0% |
| FY2015 | 83 | 52 | 0 | 0.0% | 1.2% |
| FY2014 | 76 | 51 | 2 | 2.6% | 1.3% |
| FY2013 | 97 | 72 | 3 | 3.1% | 1.4% |
| FY2012 | 102 | 73 | 2 | 2.0% | 2.0% |
| FY2011 | 100 | 85 | 2 | 2.0% | 2.1% |
| FY2010 | 107 | 84 | 2 | 1.9% | 3.4% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $933K | $657K |
| Average approval | $1.4M | $1.0M |
| Approvals of $150,000 or less | 2.4% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 26.4% | 14.4% |
| Approvals to franchise businesses | 14.6% | 9.0% |
| Jobs supported per approval, as reported | 11.6 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 1.3% | 1.2% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 641 | $954M | 86.6% | |
| 2 | New Mexico | 89 | $51.9M | 12.0% | |
| 3 | Arkansas | 8 | $11.0M | 1.1% | |
| 4 | Louisiana | 1 | — | 0.1% | |
| 5 | California | 1 | — | 0.1% |
In Texas the lender accounts for 37.9% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (111 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Travis County, TX | 102 | $138M | 13.8% | |
| 2 | Harris County, TX | 71 | $141M | 9.6% | |
| 3 | Williamson County, TX | 52 | $75.5M | 7.0% | |
| 4 | Tarrant County, TX | 38 | $41.1M | 5.1% | |
| 5 | Bernalillo County, NM | 37 | $25.8M | 5.0% | |
| 6 | Dallas County, TX | 34 | $70.7M | 4.6% | |
| 7 | Bexar County, TX | 31 | $43.6M | 4.2% | |
| 8 | Hays County, TX | 30 | $39.8M | 4.1% | |
| 9 | Santa Fe County, NM | 23 | $10.1M | 3.1% | |
| 10 | Collin County, TX | 22 | $36.6M | 3.0% | |
| 11 | Fort Bend County, TX | 21 | $33.7M | 2.8% | |
| 12 | Montgomery County, TX | 20 | $36.2M | 2.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 132 | 17.8% | |
| 2 | Health Care and Social Assistance | 118 | 15.9% | |
| 3 | Other Services (except Public Administration) | 78 | 10.5% | |
| 4 | Professional, Scientific, and Technical Services | 69 | 9.3% | |
| 5 | Manufacturing | 68 | 9.2% | |
| 6 | Retail Trade | 61 | 8.2% | |
| 7 | Wholesale Trade | 43 | 5.8% | |
| 8 | Construction | 32 | 4.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 81 | 10.9% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 38 | 5.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 34 | 4.6% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 33 | 4.5% | |
| 5 | Child Day Care ServicesNAICS 6244 | 28 | 3.8% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 27 | 3.6% | |
| 7 | Other Personal ServicesNAICS 8129 | 26 | 3.5% | |
| 8 | Elementary and Secondary SchoolsNAICS 6111 | 18 | 2.4% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 17 | 2.3% | |
| 10 | Offices of PhysiciansNAICS 6211 | 17 | 2.3% |
Approval sizes
- $50,000 or less0.1%1
- $50,001 to $150,0002.3%17
- $150,001 to $350,00015.0%111
- $350,001 to $1 million34.7%257
- $1 million to $2 million24.6%182
- Over $2 million23.2%172
Loan terms
- Over 5 to 10 years1.1%8
- Over 10 to 20 years4.9%36
- Over 20 years94.1%696
Age of the businesses
- Existing, more than 2 years old71.2%527
- New business, 2 years or less1.1%8
- Startup, loan funds will open the business25.3%187
- Change of ownership2.4%18
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accredited Lenders Program | 638 | 86.2% | |
| 2 | 504 Refinancing Program | 68 | 9.2% | |
| 3 | ALP Express | 31 | 4.2% | |
| 4 | 504 Basic | 3 | 0.4% |
Franchise share
108 of 740 approvals in FY2021–FY2025 (14.6%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Chicken Express | 12 | 1.6% | |
| 2 | Primrose Schools | 7 | 0.9% | |
| 3 | Best Western | 5 | 0.7% | |
| 4 | The Prep! | 4 | 0.5% | |
| 5 | Kiddie Academy | 4 | 0.5% | |
| 6 | Tommy's Express Car Wash | 3 | 0.4% | |
| 7 | The Goddard School | 3 | 0.4% | |
| 8 | Pinnacle Montessori | 3 | 0.4% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | Prosperity Bank | 43 | 5.8% | |
| 2 | Stellar Bank | 33 | 4.5% | |
| 3 | Bank of America, National Association | 27 | 3.6% | |
| 4 | Horizon Bank SSB | 26 | 3.5% | |
| 5 | JPMorgan Chase Bank, National Association | 25 | 3.4% | |
| 6 | First Financial Bank | 21 | 2.8% | |
| 7 | The Huntington National Bank | 19 | 2.6% | |
| 8 | First Financial Bankshares Inc | 19 | 2.6% | |
| 9 | PNC Bank, National Association | 18 | 2.4% | |
| 10 | SouthStar Bank, S.S.B. | 18 | 2.4% |
Questions and answers
How many SBA loans does Capital Certified Development Corporation make?
SBA approved 150 504 loans through Capital Certified Development Corporation in FY2025, worth $230M, and 740 over FY2021 to FY2025. That ranks 13th of 182 active CDCs by number of approvals.
How large are Capital Certified Development Corporation's typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $933K and the average $1.4M. The program-wide median was $657K.
What is Capital Certified Development Corporation's charge-off rate?
Of 1,118 disbursed loans approved in FY2010 to FY2021, SBA records 15 as charged off (1.3%), 577 as paid in full and 526 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Capital Certified Development Corporation lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (81); automotive repair and maintenance (38); traveler accommodation (34); offices of other health practitioners (33).
Where does Capital Certified Development Corporation make SBA loans?
In 5 states and territories. Texas 641, New Mexico 89, Arkansas 8, Louisiana 1, California 1. In Texas it accounts for 37.9% of all 504 approvals.
Is Capital Certified Development Corporation's SBA lending rising?
Approvals in the three latest complete fiscal years total 387, against 474 in the three before: falling (-18%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error