A Certified Development Company (CDC) helps small businesses access capital by providing them with access to the SBA 504 loan program. The SBA 504 loan program is a long-term financing option that provides small businesses with up to 90% financing for the purchase of real estate, equipment, and other fixed assets. The loan is typically structured with a 50% loan from a traditional lender, a 40% loan from a CDC, and a 10% down payment from the borrower. The loan terms are typically 10-20 years, with fixed interest rates and no balloon payments. By providing access to the SBA 504 loan program, CDCs help small businesses access the capital they need to purchase real estate, equipment, and other fixed assets.