Current Borrower

To view your loan balance at any time, see your amortization schedule provided at the funding of your loan. Your amortization schedule is a breakdown of your monthly loan payment for the life of your loan.

If you’ve misplaced or lost your amortization schedule, you can request a copy at any time by emailing, servicing@txcdc.com.

Please include the following information in your email for a timely response.

• • Your Name
  • Business Name
  • SBA Loan Number
  • Phone Number

Need or misplace any of your SBA 504 Loan documents? Send us an email to, servicing@txcdc.com, and we’d be happy to help. Don’t worry if you don’t know the document’s name. Provide a general description and we’ll work together to get you exactly what you need.

Please include the following information in your email for a timely response:

• Your name
• Business name
• SBA Loan Number
• List of documents you are requesting

Prepayments on SBA-504 loans can be made on a monthly basis.

If you wish to pay your outstanding balance, contact TXCDC in writing outlining your request.
Please provide the following information in your written notice to TXCDC:
Month and date the loan is to be paid off (3rd Thursday)

*NOTE: We require 15 days written notice from borrowers to establish a payoff date; prepayments are only accepted on the 3^rd Thursday of each month.

Please provide the following information in your written notice to TxCDC:

• Your contact information, including phone number and email address
• SBA Loan number(s) and property address
• New mailing address if you will be moving from the property address listed above
• Escrow or Bank contact information, if applicable
• Your signature and date

Please send completed signed form to:

Elizabeth Banda
ebanda@txcdc.com
P.O. Box 6370, Austin, TX 78762
(512) 433-1173

We recommend a follow-up call to  Elizabeth to confirm receipt of your written notice.

Note: To avoid additional principal, interest and fees the optimal months to payoff the loan would be the months in front of your semi-annual months. If you need help confirming your semi-annual months please call Elizabeth at (512) 433-1173.

Even business owners with decades of management experience struggle with cash flow due to the various challenges businesses encounter. If your company is facing this situation, know you are not alone.

Understanding your options when facing loan delinquencies and defaults is crucial. TXCDC works diligently with hundreds of borrowers on mutually beneficial solutions to their repayment challenges.

If you’re facing trouble meeting your debt obligations, please contact us as early as possible to discuss the situation and options available to assist you. Our experience has found that keeping communication channels open yields the best results for you as well as the lender.

Email:  servicing@txcdc.com
Call:  (512) 433-1175

If there have been any changes to your contact information or address, please send an email to, servicing@txcdc.com, and include the following in your email:

• • Your Name
  • Business Name
  • SBA Loan Number
  • Phone Number
  • Outline any changes the need to be made (ie, new name, email, phone number, mailing address)

If you’d like to change the account debited for your monthly SBA 504 Loan payment, submit a new ACH (Automated Clearing House) authorization form and voided check to TXCDC.

The form and voided check must be received before the 13th of the month to take effect the following month.
Please email, fax, or mail completed ACH form to:

Email:  Elizabeth Banda, ebanda@txcdc.com
Mail:  PO Box 6370, Austin, TX 78762
Fax:  (512) 433-1821

IMPORTANT: Sometimes automatic payments are rejected. Reasons include insufficient funds, uncollected funds, the account is closed or invalid or the borrower authorizes a stop to the automatic payments. If this occurs, please contact TxCDC immediately at ebanda@txcdc.com or (512) 433-1173.

TXCDC requests Tax Returns and Year End Financials on an annual basis. Please choose any of the following methods to submit your business financials:

Fax: (512) 433-1821
Mail: PO Box 6370, Austin, TX 78762
Email to: Matt Montoya mmontoya@txcdc.com 

To comply with your SBA 504 loan Authorization borrowers are required to maintain full replacement cost insurance on the SBA project property. TxCDC is to be listed as Mortgagee on the building and Lender Loss Payable on business personal property if applicable. We will periodically contact you or your insurance agent to request proof of insurance.

If you are planning to change your insurance carrier, please notify our office at, servicing@txcdc.com, informing us of your carrier change and request the following endorsement on the new policy:

US Small Business Administration c/o Texas Certified Development Company, Inc., P.O. Box 6370, Austin, TX 78762 named as:

Second Mortgagee (Building)

Lender Loss Payable (Business Personal Property)

Only required if your loan involved equipment and/or FF&E