Your creative resource for small business financing, real estate development and technical assistance


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The Capital Regional Development Council, CRDC, is a very competitive source for creative and non-trational financing for small businesses, real estate development, and more.  Let us work with your financial institution to make your project happen.  From SBA 504 commercial real estate loans to direct small business loans and Brownfield loans, CRDC has the expertise and experience to get your project financed!

BRADFORD LOAN FUND: In addition to the direct loan programs described under the Small Business Lending section, CRDC manages a small business loan fund targeted to growing businesses in the Town of Bradford in Merrimack County and surrounding communities. Loans of between $10,000 and $200,000 are available for real estate acquisition and improvements. Working capital loans are also eligible. The funds can be only used to fill a financing gap or match bank financing. Typically, a borrower is already working with a bank on a potential loan and the bank lender identifies a funding gap and reaches out to a CRDC lender to discuss a potential loan to address the gap. These funds typically provide less than 50 percent of the total project costs. Please contact a CRDC loan officer for additional information.

SBA Rates

The 10-year,  FULL-TERM, fixed rate equipment debenture for JANUARY 2016 is 4.84%. THIS RATE ADJUSTS EVERY OTHER MONTH.

The 20-year, FULL-TERM, EFFECTIVE fixed-rate REAL ESTATE debenture for January 2016 is 5.07% for the first five years and 5.29% for the full twenty year term. THIS RATE ADJUSTS MONTHLY AND IS PROVIDED BY THE SBA'S UNDERWRITER.

The rates are set monthly by SBA's investment bank, Wells Fargo, after review of market rates.

EFFECTIVE RATE MEANS THE TOTAL ANNUAL INTEREST RATE WITH ALL COMPONENTS (INVESTOR DEBENTURE RATE, SBA FEE, SERVICING AGENT FEE AND CRDC FEE).

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PRINTABLE CRDC FACT SHEET: PDF

 

LOANS CLOSED AND FUNDED

FY 2015 (October 1, 2014-September 30, 2015)

SBA 504: 3 loans funded: $3,589,000 loaned

CRDC DIRECT PORTFOLIO LOANS: 6 loans closed: $1,318,000 loaned

TOTAL FY 2015 ACTIVITY: 9 loans closed/funded, $4,907,000 loaned

 

SEPTEMBER 30, 2015 TOTAL LOAN PORTFOLIOS

DIRECT LENDING

49 loans outstanding, $9,586,676 originated, $7,946,676 outstanding

SBA 504

84 loans outstanding, $33,096,000 originated, $25,197,888 outstanding

Capital Regional Development Council Practices Equal Treatment of Clients
CRDC does not discriminate on the basis of race, color, religion, sex, marital status, disability, age or national origin in services or accommodations offered or provided to our employees, clients or guests. These policies and this notice comply with regulations of the United States Government. Violations of this policy may be mailed to: Administrator, Small Business Administration, Washington, D.C. 20416.