Central Ozarks Development, Inc.


Your Small Business Loan Center

Central Ozarks Development, Inc. was established in 1983 as a Certified Development Company (CDC).  We are a nonprofit corporation certified and regulated by the U.S. Small Business Administration (SBA).  We work with participating lenders to provide financing to small businesses.  One of only 270 CDCs nationwide we can help finance your small business anywhere in the State of Missouri.

CDC/504 Loan Program

The 504 loan program can be used to purchase real estate and equipment. 

Are you considering purchasing an existing business?

Are you considering building a new business?

This is the loan program to help you start your own business.

The 504 loan process is similar to other loan programs with a few eligibility requirements.

  • A for-profit business
  • Located in the State of Missouri
  • Less than $15 million of net worth
  • The 504 loan program can be used for fixed assets and equipment

CDC/504 Loan Process

Central Ozarks Development, Inc. in collaboration with local lenders provides the assurances of an SBA guaranteed loan.  This assurance enables lenders to finance new businesses to encourage economic growth and opportunities to small business owners.  With financing available to many business opportunities, now is the time to consider that dream of owning your own business.  To help you get started, here is a list of items you will need during the loan application process.

  • COD Application Checklist CLICK TO DOWNLOAD FORM 
  • SBA Loan Application CLICK TO DOWNLOAD FORM 
  • SBA Loan Application CLICK TO DOWNLOAD FORM  
  • Personal Background CLICK TO DOWNLOAD FORM 
  • Personal Financial Statement CLICK TO DOWNLOAD FORM  
  • Business Financial Statements (including Profit and Loss Statements and Projected Financial Statements) 
  • Ownership and or Affiliations Information 
  • Business Certificate and or License 
  • Loan Application History 
  • Income Tax Returns 
  • Business Overview and History (including owners experience) 
  • Business Lease 
  • Business Plan 

Central Ozarks Development, Inc. is here to help you through the loan process.  Call one of our experts today and they will help you gather all the required documentation needed to complete the 504 loan application.

If you are purchasing an existing business the 504 loan program is also an excellent loan option.  We will need to obtain some additional information from the existing business.

  • Current Income, including Balance Sheets, Profit and Lost Statements
  • Previous two years Federal Income Tax Returns of the Business
  • Proposed Bill of Sale, including the terms and condition of the proposed sale
  • A list of all proposed assets that will be included in the sale such as inventory, machinery, equipment, furniture and fixtures
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Your Small Business Loan Center