The "REAL" SBA Experts!
Real Estate Advantage Loan Program or SBA 504 Loan Program
Organized in 1983, Louisiana Capital CDC, Inc. (LCCDC) is a non-profit corporation certified by the U.S. Small Business Administration (SBA) to market and service the SBA 504 or REAL (Real Estate Advantage Loan) program for the SBA.
More commonly referred to as a CDC or Certified Development Company, LCCDC works in partnership with SBA lenders and small business borrowers to obtain small business financing through this SBA program. The SBA 504 or REAL program is an economic development enhancement providing long-term, low down payment, fixed rate financing for healthy and expanding small businesses seeking financing for their owner occupied facilities and permanently affixed machinery and equipment. The SBA 504 loan program structure is straight forward.
A lender is in a first lien position and provides 50% of the project cost with the SBA – through LCCDC – in a subordinate lien position and providing up to 40% of the project cost and the small business borrower injecting the difference.
Louisiana Capital is proud to share our combined 45 Years of Lending Expertise in Small Business Financing, Commercial Lending and Economic Development Experience with you. We proudly boast that we have one of the most experienced and knowledgeable staffs in our industry.
To promote the general wealth, welfare, and prosperity of the people residing or operating business within our area of operations.
To promote economic development and growth of the small business community.
To promote and increase private sector employment opportunities for the people of our area of operations.
In summary, it is the intent of Louisiana Capital CDC, Inc. to invest moneys in existing, expanding businesses that will create or retain jobs, provide a positive economic impact within its community, or meet a public policy goal of the Small Business Administration (SBA).
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