Lenders › Community Capital Development Corporation
504 CDCDublin, Ohiocertified development company55th of 182 by approvals
Community Capital 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.
Community Capital Development Corporation, based in Dublin, Ohio, is a certified development company (CDC) that makes SBA 504 loans. SBA approved 159 of its 504 loans worth $96.9M in FY2021 to FY2025, which places it 55th of 182 active CDCs by number of approvals.
In FY2025, the latest complete fiscal year, it had 17 approvals totalling $9.3M, down 39% on FY2024 (28). FY2026 to 30 Jun 2026 adds 15 more.
The median approval was $415K, against $657K for the 504 program as a whole; 13.2% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 2 states and territories and 33 counties, led by Ohio (99.4%) and West Virginia (0.6%). The largest industry group was health care and social assistance at 22.0% of approvals, and 4.4% of approvals were to franchise businesses.
Of 303 disbursed loans approved in FY2010 to FY2021, SBA records 9 as charged off (3.0%), 136 as paid in full and 158 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is above 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* | 15 | $15.8M | $742K | $1.1M | 65 |
| FY2025 | 17 | $9.3M | $401K | $547K | 43 |
| FY2024 | 28 | $20.9M | $634K | $747K | 131 |
| FY2023 | 29 | $18.9M | $439K | $651K | 137 |
| FY2022 | 37 | $23.2M | $399K | $627K | 150 |
| FY2021 | 48 | $24.6M | $303K | $512K | 344 |
| FY2020 | 27 | $13.8M | $397K | $511K | 148 |
| FY2019 | 27 | $17.0M | $425K | $630K | 202 |
| FY2018 | 25 | $16.1M | $295K | $642K | 121 |
| FY2017 | 18 | $7.8M | $257K | $432K | 93 |
| FY2016 | 23 | $14.2M | $287K | $617K | 125 |
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 120 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 | Ohio | 504 program |
|---|---|---|---|
| Approvals in these years | 342 | 2,374 | 85,591 |
| Cancelled or never disbursed | 39 | 313 | 12,514 |
| Disbursed loans | 303 | 2,061 | 73,077 |
| Paid in full | 136 | 983 | 35,491 |
| Charged off | 9 | 31 | 905 |
| Still outstanding (status exempt from disclosure) | 158 | 1,047 | 36,681 |
| Charged off, share of disbursed loans | 3.0% | 1.5% | 1.2% |
| Dollars charged off, share of disbursed dollars | 2.3% | 1.4% | 0.9% |
| Dollars charged off | $3.5M | $15.6M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 45 | 3 | 0 | 0.0% | 0.1% |
| FY2020 | 25 | 4 | 0 | — | 0.1% |
| FY2019 | 20 | 3 | 0 | — | 0.3% |
| FY2018 | 22 | 5 | 0 | — | 0.4% |
| FY2017 | 17 | 5 | 0 | — | 0.8% |
| FY2016 | 21 | 12 | 0 | — | 1.0% |
| FY2015 | 26 | 17 | 1 | — | 1.2% |
| FY2014 | 23 | 16 | 0 | — | 1.3% |
| FY2013 | 19 | 12 | 0 | — | 1.4% |
| FY2012 | 25 | 17 | 1 | — | 2.0% |
| FY2011 | 27 | 18 | 3 | — | 2.1% |
| FY2010 | 33 | 24 | 4 | 12.1% | 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 | $415K | $657K |
| Average approval | $609K | $1.0M |
| Approvals of $150,000 or less | 13.2% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 11.9% | 14.4% |
| Approvals to franchise businesses | 4.4% | 9.0% |
| Jobs supported per approval, as reported | 5.1 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 3.0% | 1.2% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Ohio | 158 | $96.3M | 99.4% | |
| 2 | West Virginia | 1 | — | 0.6% |
In Ohio the lender accounts for 20.0% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (33 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Franklin County, OH | 71 | $49.5M | 44.7% | |
| 2 | Delaware County, OH | 17 | $10.4M | 10.7% | |
| 3 | Montgomery County, OH | 15 | $6.1M | 9.4% | |
| 4 | Clark County, OH | 5 | $3.0M | 3.1% | |
| 5 | Union County, OH | 4 | $3.5M | 2.5% | |
| 6 | Fairfield County, OH | 4 | $1.5M | 2.5% | |
| 7 | Licking County, OH | 4 | $949K | 2.5% | |
| 8 | Hamilton County, OH | 3 | $5.4M | 1.9% | |
| 9 | Muskingum County, OH | 3 | $1.7M | 1.9% | |
| 10 | Madison County, OH | 3 | $1.7M | 1.9% | |
| 11 | Washington County, OH | 2 | — | 1.3% | |
| 12 | Summit County, OH | 2 | — | 1.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 35 | 22.0% | |
| 2 | Accommodation and Food Services | 24 | 15.1% | |
| 3 | Other Services (except Public Administration) | 21 | 13.2% | |
| 4 | Professional, Scientific, and Technical Services | 18 | 11.3% | |
| 5 | Retail Trade | 17 | 10.7% | |
| 6 | Manufacturing | 11 | 6.9% | |
| 7 | Construction | 10 | 6.3% | |
| 8 | Arts, Entertainment, and Recreation | 6 | 3.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 16 | 10.1% | |
| 2 | Child Day Care ServicesNAICS 6244 | 14 | 8.8% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 7.5% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 7 | 4.4% | |
| 5 | Computer Systems Design and Related ServicesNAICS 5415 | 6 | 3.8% | |
| 6 | Offices of DentistsNAICS 6212 | 5 | 3.1% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 3.1% | |
| 8 | Personal Care ServicesNAICS 8121 | 5 | 3.1% | |
| 9 | Other Financial Investment ActivitiesNAICS 5239 | 4 | 2.5% | |
| 10 | Individual and Family ServicesNAICS 6241 | 4 | 2.5% |
Approval sizes
- $50,000 or less0.6%1
- $50,001 to $150,00012.6%20
- $150,001 to $350,00030.8%49
- $350,001 to $1 million38.4%61
- $1 million to $2 million13.8%22
- Over $2 million3.8%6
Loan terms
- Over 10 to 20 years35.8%57
- Over 20 years64.2%102
Age of the businesses
- Existing, more than 2 years old84.3%134
- New business, 2 years or less1.9%3
- Startup, loan funds will open the business10.1%16
- Change of ownership3.8%6
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 504 Basic | 142 | 89.3% | |
| 2 | 504 Refinancing Program | 13 | 8.2% | |
| 3 | Accredited Lenders Program | 4 | 2.5% |
Franchise share
7 of 159 approvals in FY2021–FY2025 (4.4%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Holiday Inn Express | 1 | 0.6% | |
| 2 | Tommy's Express Car Wash | 1 | 0.6% | |
| 3 | Comfort Inn | 1 | 0.6% | |
| 4 | Balanced Family Academy | 1 | 0.6% | |
| 5 | Gilligan Oil Services, LLC | 1 | 0.6% | |
| 6 | Skyline Chili | 1 | 0.6% | |
| 7 | Modo Yoga | 1 | 0.6% |
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 | German American Bank | 19 | 11.9% | |
| 2 | Farmers and Merchants Bank | 19 | 11.9% | |
| 3 | JPMorgan Chase Bank, National Association | 12 | 7.5% | |
| 4 | The Fahey Banking Company | 11 | 6.9% | |
| 5 | First Financial Bank | 8 | 5.0% | |
| 6 | The Park National Bank | 8 | 5.0% | |
| 7 | The Huntington National Bank | 7 | 4.4% | |
| 8 | CNB Bank | 7 | 4.4% | |
| 9 | The Farmers National Bank of Canfield | 6 | 3.8% | |
| 10 | The Richwood Banking Company | 5 | 3.1% |
Questions and answers
How many SBA loans does Community Capital Development Corporation make?
SBA approved 17 504 loans through Community Capital Development Corporation in FY2025, worth $9.3M, and 159 over FY2021 to FY2025. That ranks 55th of 182 active CDCs by number of approvals.
How large are Community Capital Development Corporation's typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $415K and the average $609K. The program-wide median was $657K.
What is Community Capital Development Corporation's charge-off rate?
Of 303 disbursed loans approved in FY2010 to FY2021, SBA records 9 as charged off (3.0%), 136 as paid in full and 158 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is above 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 Community Capital Development Corporation lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (16); child day care services (14); automotive repair and maintenance (12); offices of other health practitioners (7).
Where does Community Capital Development Corporation make SBA loans?
In 2 states and territories. Ohio 158, West Virginia 1. In Ohio it accounts for 20.0% of all 504 approvals.
Is Community Capital Development Corporation's SBA lending rising?
Approvals in the three latest complete fiscal years total 74, against 112 in the three before: falling (-34%).
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