Breathing Life into Michigan Small Businesses

Growing a business is no easy business. At the Michigan Certified Development Corporation (MCDC), we know that better than anyone. In our four decades of operation, we’ve seen a lot of stuff and heard a lot of stories. We’ve also learned a number of lessons, namely that a cash infusion can make all the difference in the world for your small business.

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Because Your Loan is Your Lifeline

As the leading provider of SBA financing in Michigan, we’ve been helping small businesses survive and thrive since 1982. With six offices across the state, we’re now more equipped than ever to serve our clients. Exactly 100 percent of our business operations and profits remain in Michigan, and that’s the way we like it.

The Premier SBA Lender in Michigan

With projects throughout the entire state, MCDC is the only CDC in Michigan that has achieved “Premier” status with the SBA. The elite designation is held by only 10% of all CDCs nationally. There is not another company in Michigan that is better suited to support your needs than MCDC.

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Diversity, Equity and Inclusion Statement

At MCDC, we believe that people are our most valuable resource. We are committed to creating and maintaining an organizational culture that promotes diversity, equity and inclusion at every level of our organization and in the communities we serve. We believe that building an inclusive culture with diversity of thought is essential for all our team members to bring their authentic, whole selves to work and experience a sense of belonging and support. In today's evolving awareness of the social injustices which have plagued our country for generations, we believe that intentional actions are necessary to invoke change and support initiatives across a broad spectrum of backgrounds including socio-economic; age or generation; ability; race, ethnicity or nationality; gender, gender identity and expression; sexual orientation; religion and worship practices; veteran or military status; political affiliation; work thought and leadership style; and technical skills.

We encourage an open dialogue from our employees, customers, referral sources and our communities as we continue to seek ways to be the best at living our core values every day.

business owners collage

MCDC is a non-profit corporation authorized by the U.S. Small Business Administration (SBA) to provide SBA 504 and SBA 7(a) financing.

Our Mission Statement

To be the CDC of choice throughout Michigan by providing our customers with outstanding service and financial resources that promote job development and economic growth.

MCDC Board of Directors

Jason Barnett, Detroit, Invest Detroit

Mr. Barnett has over 18 years of commercial lending and financial experience. Jason is committed to strengthening relationships with community developers in the Detroit area and assisting with the overall economic growth of Michigan.

Dr. Calvin C. Cupidore Jr., Farmington Hills

​Dr. Cupidore recently completed a PHD in Education and continues to contribute to the MCDC Board of Directors as a valuable resource for economic development in the Detroit area.

Debra Gagliardi, State of Michigan

​Ms. Gagliardi has over 35 years of legal expertise. As a former Senior Assistant Attorney General, Deb has first-hand experience with Michigan laws and economic development proposals in Michigan.

Tom Johnson, Boyne City, Landmark Group, LLC

​Mr. Johnson has been an entrepreneur in Michigan and understands the drive required to advance economic development. As a member of the Board of Directors, Tom offers this same entrepreneurial expertise and commitment to the growth of Michigan businesses.

Mark Morante, Lansing, Michigan Economic Development Corporation

​As a MEDC Senior Vice President, MSF Fund Manager, and Special Advisor to the CEO of MEDC, Mr. Morante has offered his knowledge and expertise in economic development to support and grow the mission of MCDC.

Anthony Reed, Pontiac, First Independence Bank

​Mr. Reed is committed to economic development in the Detroit area. Anthony offers 15 years of banking experience focusing on commercial loans and economic development.

Joseph S. Calvaruso, Grand Rapids, Gerald R. Ford Foundation

​Mr. Calvaruso has been the Executive Director of the Gerald R. Ford Presidential Foundation since 2008 and is responsible for the overall operations and management of the foundation. Joe has a strong history in risk management and as a member of the Board of Directors for MCDC, currently offers his expertise and guidance in these areas.

James A. Fay, Jackson, County National Bank

​Mr. Fay is the Treasurer of the MCDC Board of Directors. Jim's vast financial and banking background, including loan and credit analysis, allows him to offer counsel and support with regard to budgets and financial recommendations.

John Janick, St. Joseph

​Mr. Janick has more than 35 years of corporate banking and administrative experience. With an emphasis in Commercial Lending, John has been a pinnacle in the continued growth of the MCDC mission of economic development.

Janet McClelland, Lansing

​As the former State of Michigan Personnel Director (and current member of the Michigan Civil Service Commission), Ms. McClelland brings a vast amount of Workforce Development experience to the MCDC Board of Directors. Janet uses this experience to spearhead policy and procedure innovations.

Gregory Nicholas, Lansing, Global Innovation Resources, LLC

​Mr. Nicholas has had a hand in economic development and financial analysis for over 35 years. Greg shares his expertise as a member of the MCDC Board of Directors, to advance the goals of economic development.

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