Lenders › Capital Certified Development Corporation
7(a) lenderAustin, Texasnon-bank 7(a) lender358th of 2,184 by approvals
Capital Certified Development Corporation
SBA 7(a) 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.
In FY2021 to FY2025 SBA approved 84 7(a) loans, worth $16.0M, through Capital Certified Development Corporation of Austin, Texas, a non-bank 7(a) lender in the SBA 7(a) program. By number of approvals that is 358th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 28 approvals totalling $5.2M, up 12% on FY2024 (25). FY2026 to 30 Jun 2026 adds 17 more.
The median approval was $180K, against $190K for the 7(a) program as a whole; 44.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 34 counties, led by Texas (82.1%), New Mexico (16.7%) and Arkansas (1.2%). The largest industry group was health care and social assistance at 20.2% of approvals, and 9.5% of approvals were to franchise businesses.
Capital Certified Development Corporation has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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* | 17 | $5.2M | $350K | $307K | 339 |
| FY2025 | 28 | $5.2M | $180K | $187K | 293 |
| FY2024 | 25 | $5.4M | $220K | $218K | 410 |
| FY2023 | 13 | $2.7M | $225K | $210K | 136 |
| FY2022 | 8 | $1.4M | $186K | $169K | 79 |
| FY2021 | 10 | $1.3M | $132K | $129K | 121 |
| FY2020 | 10 | $1.3M | $141K | $131K | 122 |
| FY2019 | 3 | $401K | $121K | $134K | 15 |
| FY2018 | 4 | $561K | $152K | $140K | 36 |
| FY2017 | 2 | — | — | — | 28 |
| FY2016 | 1 | — | — | — | 4 |
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 20 approvals. First approval on file: FY2014.
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 | 7(a) program |
|---|---|---|---|
| Approvals in these years | 33 | 48,931 | 639,905 |
| Cancelled or never disbursed | 5 | 5,758 | 79,313 |
| Disbursed loans | 28 | 43,173 | 560,592 |
| Paid in full | 16 | 31,848 | 435,813 |
| Charged off | 2 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 10 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.9% | 2.5% |
| Dollars charged off | — | $682M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $180K | $190K |
| Average approval | $191K | $518K |
| Approvals of $150,000 or less | 44.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 63.1% | 34.3% |
| Approvals to franchise businesses | 9.5% | 11.5% |
| Jobs supported per approval, as reported | 12.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 69 | $12.4M | 82.1% | |
| 2 | New Mexico | 14 | $3.4M | 16.7% | |
| 3 | Arkansas | 1 | — | 1.2% |
In Texas the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (34 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bernalillo County, NM | 8 | $1.9M | 9.5% | |
| 2 | Harris County, TX | 7 | $1.3M | 8.3% | |
| 3 | Dallas County, TX | 6 | $1.4M | 7.1% | |
| 4 | Nueces County, TX | 6 | $813K | 7.1% | |
| 5 | Brazoria County, TX | 5 | $709K | 6.0% | |
| 6 | Montgomery County, TX | 4 | $648K | 4.8% | |
| 7 | Bexar County, TX | 4 | $594K | 4.8% | |
| 8 | Brazos County, TX | 3 | $900K | 3.6% | |
| 9 | Lincoln County, NM | 3 | $877K | 3.6% | |
| 10 | Tarrant County, TX | 3 | $740K | 3.6% | |
| 11 | Santa Fe County, NM | 3 | $610K | 3.6% | |
| 12 | Randall County, TX | 3 | $497K | 3.6% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 17 | 20.2% | |
| 2 | Accommodation and Food Services | 16 | 19.0% | |
| 3 | Other Services (except Public Administration) | 13 | 15.5% | |
| 4 | Retail Trade | 10 | 11.9% | |
| 5 | Professional, Scientific, and Technical Services | 7 | 8.3% | |
| 6 | Manufacturing | 5 | 6.0% | |
| 7 | Arts, Entertainment, and Recreation | 4 | 4.8% | |
| 8 | Educational Services | 4 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 14.3% | |
| 2 | Child Day Care ServicesNAICS 6244 | 6 | 7.1% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 7.1% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 5 | 6.0% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 5 | 6.0% | |
| 6 | Other Personal ServicesNAICS 8129 | 4 | 4.8% | |
| 7 | Beverage ManufacturingNAICS 3121 | 3 | 3.6% | |
| 8 | Nursing Care Facilities (Skilled Nursing Facilities)NAICS 6231 | 3 | 3.6% | |
| 9 | Other Schools and InstructionNAICS 6116 | 3 | 3.6% | |
| 10 | Traveler AccommodationNAICS 7211 | 2 | 2.4% |
Approval sizes
- $50,000 or less1.2%1
- $50,001 to $150,00042.9%36
- $150,001 to $350,00056.0%47
Loan terms
- 5 years or less1.2%1
- Over 5 to 10 years94.0%79
- Over 10 to 20 years3.6%3
- Over 20 years1.2%1
Age of the businesses
- Existing, more than 2 years old27.4%23
- New business, 2 years or less4.8%4
- Startup, loan funds will open the business58.3%49
- Change of ownership9.5%8
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 7a General | 52 | 61.9% | |
| 2 | Community Advantage Initiative | 32 | 38.1% |
Franchise share
8 of 84 approvals in FY2021–FY2025 (9.5%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Scooter's Coffee | 2 | 2.4% | |
| 2 | Home 2 Suites by Hilton | 1 | 1.2% | |
| 3 | La Quinta by Wyndham | 1 | 1.2% | |
| 4 | HTeaO | 1 | 1.2% | |
| 5 | Gameday Men's Health | 1 | 1.2% | |
| 6 | Mathnasium and Mathnasium, The Math Learning Center | 1 | 1.2% | |
| 7 | Nora Mental Health | 1 | 1.2% |
Questions and answers
How many SBA loans does Capital Certified Development Corporation make?
SBA approved 28 7(a) loans through Capital Certified Development Corporation in FY2025, worth $5.2M, and 84 over FY2021 to FY2025. That ranks 358th of 2,184 active 7(a) lenders by number of approvals.
How large are Capital Certified Development Corporation's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $180K and the average $191K. The program-wide median was $190K.
What is Capital Certified Development Corporation's charge-off rate?
Capital Certified Development Corporation has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. 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 (12); child day care services (6); automotive repair and maintenance (6); other professional, scientific, and technical services (5).
Where does Capital Certified Development Corporation make SBA loans?
In 3 states and territories. Texas 69, New Mexico 14, Arkansas 1. In Texas it accounts for 0.3% of all 7(a) approvals.
Is Capital Certified Development Corporation's SBA lending rising?
Approvals in the three latest complete fiscal years total 66, against 28 in the three before: rising (+136%).
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