Lending Center

California Capital FDC is a mission-based lender that provides financing options for different stages of business growth. We offer microloans for start-ups and bridge financing to loans and loan guarantees for expansion, working capital, and equipment.

Read Our Frequently Asked Questions Before You Get Started

If you are seeking financing options for your business, please fill out a Loan Inquiry Form with details about the financing you are seeking for your business. Click here. 

Our Lending Programs

We offer a variety of loan products across the state of California, with a focus on reaching businesses and entrepreneurs that are historically under-banked.  

Microloans up to $50,000

Microloans of up to $50,000 are available for small businesses in Amador, Butte, Calaveras, Colusa, El Dorado, Glenn, Lake, Lassen, Modoc, Napa, Nevada, Placer, Plumas, Sacramento, San Joaquin, Sierra, Siskiyou, Solano, Shasta, Stanislaus, Sutter, Tehama, Trinity, Yolo, and Yuba Counties. 

Small Loans Up to $150,000

Loans of up to $150,000 for business in Sacramento, Yolo, Nevada, El Dorado, and Placer Counties. This is made possible through the EDA Revolving Loan Fund.

City of Lodi Hometown Microloan Program 

Loans of up to $50,000 are available to Lodi-based businesses with 10 or fewer employees. Funds must be deployed within the City of Lodi limits. Learn more at cacapital.org/lodi. 

State Loan Guarantee Program

Our loan guarantee program helps secure financing for small businesses who may otherwise not qualify for a traditional loan.  State Loan Guarantees can guarantee up to 80% of the loan amount, not to exceed $5 million. Through this program, we work with banks to provide guarantees on their loans to small business owners. This does not mean everyone who applies for a direct loan from us is guaranteed to be approved!

Review the Documents You'll Need to Apply for a Loan

Download the list

Lending Center Tutorial Series

Education and outreach is a crucial component to ensuring access to capital for all types of business owners. As part of these efforts, the California Capital Lending Center has created a Lending Tutorial Series. View the videos below for thorough overviews of balance sheets and profit and loss statements by Sunita Maharaj, Portfolio Manager, Direct Lending Programs.

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Capital Financial Development Corporation is committed to ensuring that no person is excluded from participation in, denied the benefits of, or subjected to discrimination on the basis of race, color, national origin, disability, or age in employment or in participation of any program or activity offered or operated by our organization. For more information: https://cacapital.org/title-vi-and-section-504-compliance/..