California Infrastructure and Economic Development Bank

Small Business Loan Guarantee Program

The California Small Business Loan Guarantee Program (SBLGP) works to help businesses create and retain jobs, while at the same time encouraging investment into low- to moderate-income communities.Business size eligibility for the SBLGPgenerally follows the U.S. Small Business Administration 7(a) program guidelines.The SBLGP provides loans to small businesses that experience capital access barriers. Through this program, a small business can establisha favorable credit history with a lender and obtain access to future loans on its own, independent of the program.

Guarantee Terms:
  • Available to loans no greater than $20 million
  • Maximum Loan Guarantee Liability $2.5 million
  • Maximum Loan Guarantee Percentage 80%
  • Maximum Loan Guarantee Term 7 years
  • Loan Guarantee fee 2%
  • Loan Documentation fee $250
Business Size: Must target an average borrower-size of 500 or fewer employees as defined in 13 CFR 121.106; and cannot extend credit support to borrowers with more than 750 employees. Non-profit organizations also qualify to participate in the loan guarantee program.

Acceptable Loan Purposes: The proceeds of loans financed through the program shall be used in California:
  • Business purposes such as expansion into new facilities,
  • Purchase of equipment,
  • New market development,
  • Working capital,
  • Lines of credit,
  • Franchise fees,
  • New construction or renovation,
  • Refinancing of existing loan debt (with conditions)
  • SBA 504 gap financing before the SBA debenture is available
Qualifying small business owners may apply for an SBLGP loan by contacting a Financial Development Corporation (FDC).Tofind and contact an FDC inyour area, pleaseclickhereanduse the mapping tool or select from the list below.

California Capital Financial Development Corporation

Clarence Williams, President

2000 O Street, Suite 250

Sacramento, CA95814




California Coastal Rural Development Corporation

Karl Zalazowski, President

221 Main Street, Suite 301

Salinas, CA93901




California Southern Small Business Development Corporation

Michael McCraw, President

2825 Dewey Road

Building 202, Suite 205

San Diego, CA92106




Hancock Small Business Financial Development Corporation

Edward H. Lee, President

4022 W. Olympic Boulevard

Los Angeles, CA90019




Nor-Cal Financial Development Corporation

Elza Minor, President

300 Frank H. Ogawa Plaza, Suite 175

Oakland, CA 94612



Small Business Financial Development Corporation of OrangeCounty

Michael A. Ocasio, President & CEO

217 North Main Street, Suite 115

Santa Ana, CA. 92701


Fax:714 571-1905


Pacific Coast Regional Small Business Development Corporation

Mark J. Robertson, Sr., President

3255 Wilshire Boulevard, Suite 1501

Los Angeles, CA90010

Voice:213-739-2999, Ext. 225


State Assistance Fund for Enterprise-Business and IndustrialDevelopment Corporation

Mary Jo Dutra, President

1377 Corporate Center Parkway, Suite A Santa Rosa, CA 95407

Voice:707-577-8621 or 1-800-273-8637


Valley Small Business Development Corporation

Debbie Raven, CEO

7035 North Fruit Avenue

Fresno, CA93711



For additional information about the SBLGP not available on this website, please contact:

Teveia R. Barnes, SBLGP Program Manager
1325 J Street, 18th Floor
Sacramento, CA 95814
Telephone: (916) 322-1399
FAX: (916) 322-6314


Dan Apodaca, SBLGP Assistant Program Manager
1325 J Street, 18th Floor
Sacramento, CA 95814
Telephone: (916) 327-2028
FAX: (916) 322-6314