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Financial District

Southern Development Council, Inc.

We are Southern Development Council. We believe the best way we can help our community is by providing Financial Solutions for Small Businesses and helping them to create job opportunities. We've Specialized in SBA 504 Loans since 1983.

Analysing the Numbers

Certified Development Company (CDC)

Southern Development Council, Inc. is a Certified Development Company designated by the Small Business Administration (SBA) to help lending partners with financing small businesses nationwide.  CDCs are non-profit entities that help promote economic growth within their area of operations. SDC services the state of Alabama, several counties in Mississippi, and the Florida Panhandle,.

Lending Partnerships

Southern Development Council, Inc. partners with lending institutions in order to provide financing through the SBA 504 Loan Program. The typical loan structure is a 50/40/10 split in which the lending institution finances 50% of the total project costs, SDC lends 40% of the total project costs through the SBA, and the remaining 10% is a required equity injection from the borrower. See the SBA 504 Loan Program page for more details.

Business Meeting

Client Testimonials

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Zack Henderson Insurance Agency, Inc.

Southern Development Council helped Zack finance the purchase of his new office building through SDC’s direct RLF Program. They recently had a ribbon cutting and we’ve included some pictures of Zack, his team, and their new building below. If you live in the Gardendale area and you’re looking for a new insurance agent, give Zack and his team a call or stop in to see their beautiful new location.


When asked about his process with SDC, Zack said, “SDC made my building purchase process extremely easy. The process was so quick and painless! I honestly closed way faster than expected and could not believe it. I’ve been blessed to be a business owner for just over four years now, and to get to own my very own building in the process has been amazing. SDC helped make that possible and I’m extremely thankful for everything they’ve done to help me!”

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