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 February 2025.

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.

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.