At a glance
From its website, read 2 Nov 2026Cape & Islands Community Development Inc. is a loan fund based in Centerville, Massachusetts. Its website describes SBA-backed loans and small-business loans. Stated loan amounts run from $25,000 to $25M. Where it lends: Massachusetts and rural New England. You can start an application online. It serves borrowers in Spanish and Portuguese.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (508) 790-2921 source |
|---|---|
| Main | (508) 362-3755 source |
| Apply online | Page with the application link |
| Website | www.coastalcommunitycapital.org |
| Office (official list) | 5 Patti Page Way, Centerville, MA 02632 |
What their website says about applying
Visit us, call us, email us, or fill out our online loan application below.
sourceBefore applying, it is helpful to review your financial documents, including profit and loss statements, tax returns, and cash flow projections.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | 5- to 10-year term for equipment, commercial real estate acquisition, and working capital | source |
| Commercial real estate loans | Term: 20 yr–25 yr | 20- to 25-year term for commercial real estate | source |
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 25 yr | up to 25-year term loans | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 5 Patti Page Way, Centerville, MA 02632 Directions (Google Maps) |
| Website | www.coastalcommunitycapital.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages describe Coastal Community Capital, which does not match the lender id given, so verify the identity before publishing. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| SBA-backed loans (7(a)/504/Community Advantage) | $150,000 – $25M | Projects from $150,000 to $25 million | source |
| Small-business loans | $25,000 – $500,000 | Projects from $25,000 to $500,000 | source |
Loan sizes
Range used for the size filter: $25,000 to $25M
Service area
Massachusetts and rural New England
Serving businesses across Massachusetts and rural New England since 1995
source
Borrower focus
- Startups
providing capital to start-up and growing businesses throughout Cape Cod and Massachusetts since 1995.
source
Languages
- Spanish
Translation services will be offered at our office 5 days a week during normal business hours in the following languages: Spanish, Portuguese, Bulgarian, Bahamian and Jamaican.
source - Portuguese
Translation services will be offered at our office 5 days a week during normal business hours in the following languages: Spanish, Portuguese, Bulgarian, Bahamian and Jamaican.
source
Online application
Yes — the site links to an application. Visit us, call us, email us, or fill out our online loan application below.
source
Pages read (7)
- https://www.coastalcommunitycapital.org/
- https://www.coastalcommunitycapital.org/when-to-apply-business-loan/
- https://www.coastalcommunitycapital.org/apply-for-a-loan-today/
- https://www.coastalcommunitycapital.org/commercial-lending-tips/
- https://www.coastalcommunitycapital.org/use-financing-to-grow-your-business/
- https://www.coastalcommunitycapital.org/direct-loans/
- https://www.coastalcommunitycapital.org/sba-504-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.5 million in 6 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,012,000 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Financial Assistance | $599,991 |
| 2009 | CDFI Program, Financial Assistance | $600,000 |
| 1998 | CDFI Program, Financial Assistance | $52,500 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2024| Total assets | $12.4M |
|---|---|
| Total liabilities | $4.7M |
| Net assets | $7.7M |
| Total revenue | $1.5M |
| Notes and loans receivable, net (Part X line 7) | $1.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2024 (tax year 2023; EIN 04-3286347, filed as “CAPE & ISLANDS COMMUNITY DEVELOPMENT INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2022 (990) | $11.2M | $6M | $3.4M | $800,357 |
| Jun 2023 (990) | $12.2M | $7.3M | $2.2M | $458,443 |
| Jun 2024 (990) | $12.4M | $7.7M | $1.5M | $1.4M |
Total assets grew 11% from Jun 2022 to Jun 2024; notes and loans receivable rose 77%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 20 → 30 | Rank among the 6 certified CDFIs in Massachusetts with SBA approvals in either period: 2 → 2. |
| Largest loan its website states | $25M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 99% of these 184. |
| Total assets, latest IRS Form 990 | $12.4M | Larger than 35% of the 17 other certified loan funds and venture funds in Massachusetts with a matched Form 990 (median $22.9M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Massachusetts with SBA approvals FY2023–2026 | 5 | rank 2 → 2 of 6 |
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 99% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Massachusetts | 17 | larger than 35% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 95 SBA-backed approvals for Cape & Islands Community Development Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 9 7(a) loans as the lender: $1.5M in total (gross amount approved), median $150,000
- 86 504 loans as the Certified Development Company (CDC): $66.4M in total (CDC (SBA-backed) portion approved), median $503,500
By fiscal year: FY2020 12 · FY2021 18 · FY2022 15 · FY2023 10 · FY2024 10 · FY2025 20 · FY2026 10.
What actually happened
- Size of its 504 loans (the CDC's SBA-backed portion): half were between $306,250 and $980,500, median $503,500 (86 loans)
- Term of its 504 loans (the CDC's SBA-backed portion): median 300 months (25 years) (86 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 loans (as the Certified Development Company) (86, 91%)
- 7(a) standard (9, 9%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (38)
- Construction (14)
- Other services (except public administration) (9)
- Health care and social assistance (9)
- Retail trade (7)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Barnstable County, MA (68)
- Plymouth County, MA (7)
- Norfolk County, MA (6)
- Suffolk County, MA (5)
- Bristol County, MA (3)
How this lender was matched in the SBA files: SBA CDC ID 0434939: same name, state and city (SBA lists “Cape & Islands Community Development, Inc.”); SBA lender ID 0434939: same name, state and city (SBA lists “Cape & Islands Community Development, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Cape & Islands Community Development Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Centerville and Massachusetts
- BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loansVerified
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Children's Investment Fund, Inc.Loan fund · Boston, MAChild-care facility financingVerified
- Community Development and Affordable Housing Fund, LLCLoan fund · Brookline, MAAffordable housing development loansVerified
- Community Health Center Capital Fund, Inc.Loan fund · Boston, MAEnergy / solar / efficiency loans, Equipment loans, Nonprofit / community facility loansVerified
- Cooperative Fund of the Northeast, Inc.Loan fund · Watertown, MASmall-business loansVerified
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