SBA 504 Loan specialist partnering with Georgia lenders to finance commercial real estate and fixed assets for small businesses with low down payments and long-term fixed rates.
Data compiled from public sources · Rating from CreditDoc methodology
Capital Partners Certified Development Company is a Georgia-based SBA 504 lender operating under the U.S. Small Business Administration framework. The company functions as a Certified Development Company (CDC), partnering with private lenders and small business owners to structure three-way financing arrangements for commercial real estate and equipment purchases.
The company specializes exclusively in SBA 504 loans, which are designed for small business owners seeking to purchase land, buildings, construct facilities, renovate existing real estate, refinance property or equipment, or acquire heavy equipment. Their loan structure typically involves a private lender providing the first mortgage and Capital Partners providing the second mortgage (SBA 504 portion), with the business owner contributing equity. Individual 504 loans are available up to $5 million ($5.5 million for manufacturers or green energy projects), with combined financing potentially exceeding $10 million.
Capital Partners differentiates itself by offering below-market fixed rates up to 25 years, with the ability to finance closing costs and fees into the loan, reducing out-of-pocket expenses. They handle the appraisal and environmental review coordination process, which typically takes 3-4 weeks, and submit applications to the SBA for decisioning. The company markets to both small business owners directly and to lending partners seeking to offer 504 products to their clients.
The primary limitation is scope: this company serves only businesses seeking to finance real estate or fixed assets through the specific SBA 504 program in Georgia. They are not a traditional lender and do not offer personal loans, lines of credit, merchant cash advances, or other business financing products. Borrowers must qualify for SBA lending criteria and work through the structured three-party partnership model.
Yes. Capital Partners Certified Development Company is a registered company, headquartered in Atlanta, GA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Capital Partners is best for Georgia-based small businesses and their lenders seeking specialized SBA 504 financing for real estate or equipment. The main caveat is that this is a single-product lender with a lengthy approval timeline; businesses needing quick funding, alternative loan products, or operation outside Georgia should look elsewhere.
Ohio-based debt settlement company founded in 2006 offering AI-powered negotiation with creditors to reduce debt 40-60%, with zero upfront fees and BBB A+ accreditation.
Best for: Consumers with $5K-$150K+ in unsecured debt (credit cards, personal loans) who cannot pay full balance and want to avoid bankruptcy, Those seeking to understand all debt relief options before committing, using free AI guidance and education resources
Non-profit offering zero-interest, zero-fee loans up to $15K for personal needs and up to $50K for small businesses in Los Angeles, Ventura, and Santa Barbara counties.
Best for: Borrowers in Los Angeles, Ventura, or Santa Barbara counties with stable income but limited credit history, Small business owners seeking start-up or expansion funding without interest burden
United Way Center for Financial Stability offers free financial coaching, credit counseling, tax preparation, and resource referrals across three Miami-Dade County locations to help working families achieve financial independence.
Best for: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking to improve credit scores and develop debt reduction strategies with expert guidance
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Capital Partners Certified Development Company and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.