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The Lender Report built this page from public records. Oakland County Business Finance Corporation has not reviewed it. Every lender's page starts this way, and it says nothing about Oakland County Business Finance Corporation itself. Each figure shows its source and date. Work at Oakland County Business Finance Corporation? You can claim this page for free.
SBA 504 CDC record
Oakland County Business Finance Corporation: SBA 504 projects as the CDC
Oakland County Business Finance Corporation, based in Waterford, MI, is named in the SBA file as the Certified Development Company on 12 SBA 504 projects with an approval in the 36 months ending September 30, 2026, leaving out approvals the file marks cancelled or not funded. The first liens on those projects, made by other lenders, total $7M. Most of the projects were in Michigan.
- Evidence
- SBA 504 projects that name it as the CDC, 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- Projects as the CDC, 36 months
- 12
- SBA FOIA,
- Cancelled and not funded approvals left out
- First-lien dollars
- $7.01M
- SBA FOIA,
- Lent by the first-lien lenders, not by the CDC
- SBA debenture dollars
- $27.0M
- SBA FOIA,
- On its approvals net of cancelled, funded or not
- Typical first lien
- $450K
- SBA FOIA,
- Last 12 months
- 5
- SBA FOIA,
Cite this
Source: The Lender Report, Oakland County Business Finance Corporation: SBA 504 projects as the CDC, https://lender.report/lender/oakland-county-business-finance-mi/sba-504-cdc/, data as of September 30, 2026.
The projects, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2025 | Michigan | SBA 504, Insurance Agencies and Brokerages | $450K | 20 yr | SBA FOIA | ||
| May 2025 | Michigan | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $450K | 25 yr | SBA FOIA | ||
| Feb 2025 | Michigan | SBA 504, Limited-Service Restaurants | $1.6M | 20 yr | SBA FOIA | ||
| Feb 2025 | Michigan | SBA 504, Manufacturing | $880K | 25 yr | SBA FOIA | ||
| Feb 2025 | Michigan | SBA 504, Limited-Service Restaurants | $320K | 10 yr | SBA FOIA | ||
| Nov 2024 | Michigan | SBA 504, Arts, Entertainment, and Recreation | $900K | 25 yr | SBA FOIA | ||
| Oct 2024 | Michigan | SBA 504, Full-Service Restaurants | $440K | 25 yr | SBA FOIA | ||
| Jun 2024 | Michigan | SBA 504, Health Care and Social Assistance | $240K | 25 yr | SBA FOIA | ||
| May 2024 | Michigan | SBA 504, Manufacturing | $520K | 25 yr | SBA FOIA | ||
| May 2024 | Michigan | SBA 504, Retail Trade | $480K | 10 yr | SBA FOIA | ||
| Mar 2024 | Michigan | SBA 504, Wholesale Trade | $430K | 20 yr | SBA FOIA | ||
| Feb 2024 | Michigan | SBA 504, Offices of Certified Public Accountants | $300K | 25 yr | SBA FOIA | ||
| 12 SBA 504 projects in the 36 months ending September 30, 2026 | $7.01M | First-lien dollars, SBA FOIA | |||||
A blank means the source did not report it.
| State | Projects | First-lien dollars |
|---|---|---|
| Michigan | 12 | $7.01M |
SBA loans are on record by state only. The dollars are the first liens other lenders made on these projects.
| First-lien size | Projects | First-lien dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 3 | $860K |
| $350K to $1M | 8 | $4.55M |
| $1M to $2.5M | 1 | $1.60M |
| $2.5M or more | 0 | $0 |
| Quarter | Projects | First-lien dollars |
|---|---|---|
| 2024 Q1 | 2 | $730K |
| 2024 Q2 | 3 | $1.24M |
| 2024 Q4 | 2 | $1.34M |
| 2025 Q1 | 3 | $2.80M |
| 2025 Q2 | 1 | $450K |
| 2025 Q3 | 1 | $450K |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Projects |
|---|---|
| Limited-Service Restaurants (722513) | 2 |
| Manufacturing | 2 |
| Arts, Entertainment, and Recreation | 1 |
| Full-Service Restaurants (722511) | 1 |
| Health Care and Social Assistance | 1 |
| Insurance Agencies and Brokerages (524210) | 1 |
| Offices of Certified Public Accountants (541211) | 1 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 1 |
| Retail Trade | 1 |
| Wholesale Trade | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Projects |
|---|---|
| 504 Basic | 11 |
| 504 Refinancing Program | 1 |
| First-lien lender | Projects | First-lien dollars |
|---|---|---|
| JPMorgan Chase Bank, National Association | 4 | $2.29M |
| The Huntington National Bank | 3 | $1.21M |
| Waterford Bank, N.A. | 2 | $1.92M |
| Oxford Bank | 1 | $900K |
| ChoiceOne Bank | 1 | $450K |
| Flagstar Bank, National Association | 1 | $240K |
| Measure | Figure |
|---|---|
| Approvals that name it as the CDC, net of cancelled approvals | 27 |
| Of those, funded by September 30, 2026: the projects on this page | 12 |
| Of those, not funded by September 30, 2026 | 15 |
| SBA debenture dollars on the approvals net of cancelled, funded or not | $27.0M |
The debenture is the part of a 504 project that comes through the CDC. The lender record carries its dollars for the approvals as a whole, not project by project.
- The SBA file names Oakland County Business Finance Corporation as the Certified Development Company on 12 SBA 504 projects with an approval in the 36 months ending September 30, 2026, in 1 state. Approvals the file marks cancelled or not funded are left out. SBA FOIA,
- The first liens on those projects, made by other lenders, total $7M. That is the first-lien lenders' money, not Oakland County Business Finance Corporation's own lending. SBA FOIA,
- The part of a 504 project that comes through the CDC is the SBA debenture. The SBA file shows $27M in debentures on 27 approvals that name Oakland County Business Finance Corporation in the same 36 months, net of cancelled approvals; 15 of those were not funded by September 30, 2026 and are not among the projects here. SBA FOIA,
- 5 of the projects carry an approval date in the 12 months to September 30, 2026, and 15 in the 12 months before, counting approvals not yet funded in both periods. SBA FOIA,
- The typical first lien was about $450K, with the middle half between $430K and $880K. SBA FOIA,
- The largest first lien was about $1.6M. Every amount is rounded to 2 significant figures. SBA FOIA,
- The median term of the first liens was 25 years. SBA FOIA,
- The first liens came from 6 lenders with a record here, most often JPMorgan Chase Bank, National Association (4). SBA FOIA,
- The projects were most often for Limited-Service Restaurants (2). SBA FOIA,
- The SBA file lists 11 of the projects as processed under 504 Basic. SBA FOIA,
- The projects were most often in Michigan (12). SBA FOIA,
What we don't know
- Whether Oakland County Business Finance Corporation is taking new SBA 504 projects today, or how it would treat a business like yours.
- The debenture on each project. The rows here carry the first-lien amount; debenture dollars are on record for the lender as a whole.
- Projects with a cancelled approval, and approvals not funded yet. They are left out of the projects here.
- The borrower, the address and every term beyond the term of the first lien. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Every project here is an SBA 504 approval that names Oakland County Business Finance Corporation as the Certified Development Company. Dollars in the list and the tables are first-lien amounts, lent by the first-lien lender on each project.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.