Twin Cities-Metro Certified Development Company: SBA Lending Profile
Twin Cities-Metro Certified Development Company is a Certified Development Company (CDC), headquartered in Vadnais Heights, MN. It is active in 2 states, concentrated around MN, WI. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Twin Cities-Metro Certified Development Company actually approves
The median SBA approval at Twin Cities-Metro Certified Development Company is $465,000. The middle 80% of its loans fall between $157,000 and $1,596,000. The smallest funded approval in the available source window is $44,000 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.
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 58 | 5.4% |
| Offices of Dentists | 48 | 4.4% |
| General Automotive Repair | 35 | 3.2% |
| Child Day Care Services | 33 | 3.1% |
| Hotels (except Casino Hotels) and Motels | 22 | 2% |
| Fitness and Recreational Sports Centers | 22 | 2% |
| Limited-Service Restaurants | 20 | 1.9% |
| Used Car Dealers | 19 | 1.8% |
| Gasoline Stations with Convenience Stores | 18 | 1.7% |
| Offices of Mental Health Practitioners (except Physicians) | 15 | 1.4% |
| Landscaping Services | 14 | 1.3% |
| Offices of Chiropractors | 14 | 1.3% |
How fast Twin Cities-Metro Certified Development Company actually funds
Approval is not money in the bank. Across 959 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Twin Cities-Metro Certified Development Company is 187 days. Half its loans fund between 100 and 328 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
Twin Cities-Metro Certified Development Company has been pulling back. Approvals are down 36.2% from FY2023 to FY2025, which can mean tightened credit or a shift in strategy. Worth asking about before you invest time in an application.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- only 6.8% of its funded SBA records with known business age went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 97.3% 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 Twin Cities-Metro Certified Development Company.