Mortgage Capital Development Corporation: SBA Lending Profile
Mortgage Capital Development Corporation is a Certified Development Company (CDC), headquartered in Oakland, CA. It is active in 20 states, concentrated around CA, NV, AZ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Mortgage Capital Development Corporation actually approves
The median SBA approval at Mortgage Capital Development Corporation is $743,500. The middle 80% of its loans fall between $270,100 and $2,441,900. The smallest funded approval in the available source window is $52,000 and the largest is $5,500,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 504 | 902 | $744K | n/a | 25 years |
| SBA 7(a) | 63 | $181K | 10.25% | 10 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 206 | 4.5% |
| Offices of Physicians (except Mental Health Specialists) | 149 | 3.3% |
| Offices of Lawyers | 145 | 3.2% |
| Full-Service Restaurants | 129 | 2.8% |
| Offices of Dentists | 121 | 2.7% |
| All Other Specialty Trade Contractors | 106 | 2.3% |
| Plumbing, Heating, and Air-Conditioning Contractors | 85 | 1.9% |
| General Automotive Repair | 81 | 1.8% |
| Child Day Care Services | 67 | 1.5% |
| Automotive Body, Paint, and Interior Repair and Maintenance | 63 | 1.4% |
| Electrical Contractors and Other Wiring Installation Contractors | 61 | 1.3% |
| Limited-Service Restaurants | 60 | 1.3% |
How fast Mortgage Capital Development Corporation actually funds
Approval is not money in the bank. Across 4,151 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Mortgage Capital Development Corporation is 99 days. Half its loans fund between 77 and 166 days. That is slow relative to the roughly 20 day typical SBA lender, which is normal for real estate backed deals that need appraisals, but worth planning around if your timeline is tight.
Lending momentum
Mortgage Capital Development Corporation has held its SBA volume roughly steady from FY2023 to FY2025, a sign of a consistent, established program.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- only 4% of its funded SBA records with known business age went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 99.9% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Mortgage Capital Development Corporation.