The Ark-Tex Regional Development Company (ATRDC) is an SBA Certified Development Company that was established in 1982. We specialize in helping businesses secure financing for owner-occupied commercial real estate projects.
We provide funding through the U.S. Small Business Administration 504 Loan (SBA 504).
HELPING TURN YOUR SMALL BUSINESS DREAM INTO REALITY.
The U.S. Small Business Administration 504 Loan (SBA 504) is a long-term, fixed-rate financing option. The goal of the SBA 504 program is to support economic growth and job creation by providing small businesses with the funding they need to acquire or improve major assets, like property and equipment.
Over the years, we’ve helped businesses across Texas and in Miller County, Arkansas, access SBA 504 financing for a wide range of industries.
The 504 loan program provides long-term, fixed rate financing for major fixed assets that promote business growth and job creation.
504 loans are available through Certified Development Companies (CDCs), SBA’s community-based nonprofit partners who promote economic development within their communities. CDCs are certified and regulated by SBA.
The maximum loan amount for a 504 loan is $5.5 million.
To be eligible for a 504 loan, you must be:
A 504 loan can be used for a range of assets that promote business growth and job creation. These include the purchase or construction of:
Or the improvement or modernization of:
Eligible use of funds include:
Ineligible use of funds include:
504 loans are available exclusively through Certified Development Companies (CDCs). CDCs are uniquely qualified to understand 504 loan program regulations and will help you navigate the lender channels to create your project financing.
You can call us at 903-832-8636 or email development@atcog.org for more information. You can also view the list of other CDCs.
Loan repayment terms vary according to several factors. Borrowers with active 504 loans can make payments through the Central Servicing Agent, usually by ACH monthly draws. Payments can also be made by wire or check.
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For help with your account balance, due date, or any other questions regarding the specifics of your loan, contact your CDC.
Borrowers with debenture-purchased 504 loans can create an account in the MySBA Loan Portal (lending.sba.gov) to monitor their loan status and make payments.
The principal goals of the Revolving Loan Fund program are to provide low interest loans to the private sector, to promote economic development, and thereby, increase employment opportunities across our region.
The Revolving Loan Fund program is needed to address specific voids in financing services to certain sectors of the economy and/or providing financing assistance which is not currently available and which cannot be supplied by existing area lending institutions. The program provides a “fill in” for shortages of investment funds available within our region.
The Brownfields RLF was established in 2025 with $1 million from the EPA to provide funding for a grant recipient to capitalize a revolving loan fund and to provide loans to carry out cleanup activities at brownfield sites. Through these grants, EPA strengthens the marketplace and encourages stakeholders to leverage resources to clean up and redevelop small business commercial property brownfield sites.
The ETRAP RLF was primarily established for the healthcare industry in a thirty-eight county area in 2003 with initial funding from the Robert Wood Johnson Foundation for $500,000 and a USDA Rural Business Enterprise Grant for $200,000. In 2008, the purpose of the program was extended to include a variety of small business needs.
The NETEDD RLF is primarily for private industry in a nine-county area in Northeast Texas/Miller County Arkansas and was established in 1987 with initial funding from an EDA grant for $1.4 million.
COVID-19 Revolving Loan Fund provides immediate assistance to existing businesses impacted by, or new businesses developed as a result of a pandemic or another natural disaster. The intent of the loans is to save existing jobs or create new jobs within the EDA COVID RLF service area. The Northeast Texas Economic Development District, Inc. (NETEDD) has been approved by the Economic Development Administration (EDA) to administer these funds in the amount of $500,000.
The Chapman RLF is primarily for public entities in a nine-county area and was established in 1995 with initial funding from a HUD grant for $1.4 million.
The Rural Business Development Grant (RBDG) RLF was established in June of 2022 to support activities leading to the development or expansion of small and emerging businesses.
FmHA, under the USDA, provides funding for rural business development in the Northeast Texas Region.
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