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Southern Development Council

Listed
Direct business lender for sBA 504 loans and commercial real estate loansBirmingham, AlabamaBased in Alabama; service area not yet provided
BBLL 000311Listed Nov 2026From public recordsLast checked Nov 1, 2026
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About

Southern Development Council provides SBA 504 fixed-asset financing in Alabama, selected Mississippi counties and the Florida Panhandle.

Direct business lender. Directly funds business financing; products and terms depend on the lender.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

SBA 504 loansCommercial real estate loansEquipment financing
General small business
From the lender's own site and public records.

A second look at Southern Development Council

Southern Development Council provides SBA 504 fixed-asset financing in Alabama, selected Mississippi counties and the Florida Panhandle.

Alabama-based nonprofit Certified Development Company partnering with private lenders for SBA 504 loans.

Published by Levr, not by Southern Development Council. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

SBA 504

Uses
Owner-occupied commercial property purchase, construction or improvement; heavy equipment; and eligible fixed-asset refinancing.
Structure
Typically 50% bank, 40% CDC/SBA and 10% borrower, with higher equity in special cases.
Lien positions
Bank holds first lien and SDC/SBA second lien.
CDC limits
Most borrowers have a $5 million SBA debenture ceiling, with qualifying manufacturing or energy projects potentially $5.5 million.

Provider sources: SBA 504 official source · SBA 504 official source

When it may fit

Our assessment of the published programs

  • Eligible fixed-asset projects within SDC’s operating territory.

What to weigh carefully

  • Confirm selected-county coverage rather than assuming nationwide origination.
  • Startup and special-purpose requirements can increase borrower equity; current fees and eligibility require confirmation.

Questions before you accept an offer

  1. Does this project fall within SDC’s current service territory?
  2. What equity and private-lender participation would be required?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Sabre Finance

Sabre Finance provides another Alabama SBA financing route.

Regions Bank

Regions offers business and SBA bank financing in the same region.

The lender

Type
Direct business lender
Legal name
Not yet provided Add it
Founded
1983
Charter
Not yet provided Add it
Headquarters
Birmingham, Alabama
Service area
Based in Alabama; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
SBA 504
Also lends to consumers
Not yet provided Add it
Website
sdcinc.org
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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