Participating Lenders
Financial Development Corporations
The Small Business Finance Center (SBFC) partners with Financial Development Corporations (FDCs) to provide loan guarantees and direct loans for small businesses that experience capital access barriers. FDCs were created in the California Corporations Code to aid the SBFC in the administration of its programs throughout the state, together removing barriers to access capital. As mission-based organizations, the FDCs aim to support small businesses and stimulate economic growth in underserved communities.
Our seven FDCs work with a variety of different lenders who initiate loans and enroll them in our loan guarantee programs. View list of Participating Lenders – Current as of December 2024.
California Capital Financial Development Corporation
Sacramento, Stockton, Yuba City
Voice: 916-442-1729
California Coastal Rural Development Corporation
Salinas, Santa Maria, Santa Barbara
Voice: 831-424-1099
California Southern Small Business Development Corporation
San Diego
Voice: 619-232-7771
Small Business Development Corporation of Orange County
Santa Ana, Redlands
Voice: 714-571-1900
Nor-Cal Financial Development Corporation
Oakland
Voice: 510-698-2080
PCR Business Finance
Los Angeles, Compton
Voice: 213-739-2999
Valley Small Business Development Corporation
Fresno, Hanford, mobile office covers Central San Joaquin Valley
Voice: 559-438-9680
Frequently Asked Questions
Participating Lenders
Q: Does IBank or the SBFC take loan applications?
A: No, all potential borrowers should contact a participating lender listed above to start the application process with technical support.
Q: What if my lender is not on the participating lender list?
A: New lenders can enroll in SBFC credit enhancement programs on an ongoing basis. Contact your lender and ask them to enroll.
Q: What are the financing terms and how is the interest rate decided?
A: Financing qualifications are based on lender criteria. The interest rate and loan terms are negotiated between the lender and the borrower. Â
Q: What if there isn’t an FDC office located in my town?
A: FDCs are able to serve small businesses throughout the state of California. Contact geographically closest FDC office to find out more information.
Contact the IBank Small Business Finance Center
E-mail us, HEREÂ
Office:Â 1325 J Street, Suite 1300, Sacramento, CA 95814
Contact the IBank Small Business Finance Center
SBFC Program Manager:
Office: 1325 J Street, Suite 1300, Sacramento, CA 95814
E-mail: SBFC-Programs@IBank.ca.gov
Related links: Loan Guarantees | Disaster Relief Loan Guarantees | California Rebuilding Fund | Farm Loan Program | Jump Start Loans ​| Small Business Profiles |  State Small Business Credit Initiative |  Venture Capital Program |  The California Office of the Small Business Advocate (CalOSBA) |  FDC/Lender Use Only