Small Business Finance Center (SBFC)

The SBFC helps businesses create and retain jobs, and encourages investment in low- to moderate-income communities. The SBFC has a Small Business Loan Guarantee Program, and a Farm Loan Program. 


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California Small Business Loan Guarantee Program (SBLGP)

The SBLGP, through non-profit Financial Development Corporations (FDCs), issues loan guarantees and partners with eligible lenders to finance small businesses that experience capital access barriers.

Who Can Apply

Eligible Applicants

  • Small Businesses located in California with 1-750 employees.
  • Eligible Nonprofits

Guarantee Terms:

  • Loans up to $20 million
  • Max guarantee $2.5 million
  • Guaranteed up to 7 years; term can be longer
  • Loan interest rates negotiated between lender and borrower
  • Qualifications based on lender criteria

Use of Funds

  • Start-up costs
  • New construction
  • Inventory
  • Working capital
  • Export financing
  • Franchise fees
  • Business expansion
  • Lines of credit
  • Gap financing

How to Apply

Qualifying small business owners may apply for a loan guarantee or get additional information by contacting one of the participating Financial Development Corporations (FDCs) from the list below.

Farm Loan Program

The Farm Loan Program supports direct loans to small farms through participating Financial Development Corporations (FDCs). Loans are 90% guaranteed by the U.S. Department of Agriculture, Farm Serviced Agency (FSA). 

Who Can Apply

Eligible Applicants

To qualify for an FSA Guarantee, a loan applicant must:

  • Be a citizen of the United States (or legal resident alien), which includes Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and certain former Pacific Trust Territories.
  • Have an acceptable credit history as determined by the lender.
  • Have the legal capacity to incur the obligations of the loan.
  • Be unable to obtain a loan without a guarantee.
  • Not have caused FSA a loss by receiving debt forgiveness on more than 3 occasions on or prior to April 4, 1996; or any occasion after April 4, 1996.
  • Be the owner or tenant operator of a family farm after the loan is closed.  For a Guaranteed Operating Loan (OL), the producer must be the operator of a family farm after the loan is closed. For a Guaranteed Farm Ownership (FO) Loan, the producer needs to also own the farm.
  • Not be delinquent on any Federal debt

Entities (corporations, cooperatives, joint operations, partnerships, trusts, and limited liability companies) and their members/stockholders must meet these same eligibility requirements. The farm must be located in California.

Use of Funds (partial list)

  • Operating and production expenses
  • Buildings, construction or repair
  • Machinery
  • Equipment
  • Storage and drying facilities
  • Purchase livestock
  • Purchase seed, fertilizer
  • Soil and water conservation
  • Refinancing debt

Maximum Loan Size

The FSA can guarantee loans up to $1,399,000 (amount adjusted annually based on inflation).

How to Apply

Qualifying farm owners may apply for a loan or get additional information by contacting one of the following Financial Development Corporations (FDCs):

Useful Links

Small Business Resources:

Small Business Resource Map

Financial Development Corporations

California Capital Financial Development Corporation

Clarence Williams, President
1792 Tribute Road, Suite 270
Sacramento, CA 95815
Voice: 916-442-1729


California Coastal Rural Development Corporation

Karl Zalazowski, President
221 Main Street, Suite 301
Salinas, CA 93901
Voice: 831-424-1099
Fax: 831-424-1094


California Southern Small Business Development Corporation

Kurt Chilcott, President & CEO
2825 Dewey Road
Building 202, Suite 205
San Diego, CA 92106
Voice: 800-611-5170
Fax: 619-232-6743


Nor-Cal Financial Development Corporation

Arthur Washington, CEO
300 Frank H. Ogawa Plaza, Suite 175
Oakland, CA 94612
Voice: 510-452-1171
Fax: 510-452-4405


Small Business Development Corporation of Orange County

Michael A. Ocasio, President & CEO

271 N. Sycamore Street

Santa Ana, CA. 92701

Voice:   714 571-1900

Fax:     714 571-1905



Pacific Coast Regional Small Business Development Corporation

Mark J. Robertson, Sr., President
3255 Wilshire Boulevard, Suite 1501
Los Angeles, CA 90010
Voice: 213-739-2999, Ext. 222
Fax: 213-739-0639


State Assistance Fund for Enterprise-Business and Industrial Development Corporation (SAFE-BIDCO)

Mary Jo Dutra, President
1377 Corporate Center Parkway, Suite A
Santa Rosa, CA 95407
Voice: 707-577-8621 or 1-800-273-8637
Fax: 707-577-7348


Valley Small Business Development Corporation

Debbie Raven, CEO
7035 North Fruit Avenue
Fresno, CA 93711
Voice: 559-438-9680
Fax: 559-438-9690


For further information contact:

Emily Burgos, Small Business Finance Center Manager

California Infrastructure and Economic Development Bank (IBank)
Office Address: 1325 J Street, Suite 1823, Sacramento, CA 95814|
Mailing Address: P.O. Box 2830, Sacramento, CA 95812-2830

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