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-up and bridge financing to loans and loan guarantees for expansion, working capital, and debt refinancing for established small businesses.

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 to get started.

For more information on our lending programs, visit the links below. To learn more about what it takes to become loan-ready, and how California Capital approaches The 5 Cs of Credit, click here to read an article from our blog.

California Capital FDC Lending Programs

Micro Loans

Loans range from $500 – $20,000 for new and existing businesses.

EDA Revolving Loan Fund

Loans up to $150,000 for business in Sacramento, Yolo, Nevada, El Dorado, and Placer Counties.

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 $2.5 million.


RUST grants and loans are available to assist small business Underground Storage Tank (UST) owners and operators to come into compliance with UST regulatory requirements by removing, replacing, or upgrading USTs.

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, Senior Loan Officer, Direct Lending Programs. 

State and Federal Covid-19 Relief Programs

Funding is available from state and federal programs for Californians whose businesses have been impacted by the ongoing Covid-19 pandemic. For more information, please see:

The California Relief Grant:

The California Small Business COVID-19 Relief Grant Program (the “Program”) provides micro grants ranging from $5,000 to $25,000 to eligible small businesses and nonprofits impacted by COVID-19 and the related health and safety restrictions. (Note: California Capital FDC does not disburse California Relief Grant funding. Lendistry is the sole entity designated as the intermediary of California Small Business Covid-19 Relief Grant Program)

The California Rebuilding Fund:

This program provides flexible loans to businesses who employed 50 or less full-time equivalent employees (FTEs) and had gross revenues of less than $5 million or below in 2019 are eligible to apply.

Small Business Administration Programs:

Since the beginning of the pandemic, the SBA has operated several programs designed to assist business owners facing unique difficulties. Please note that the only program still currently accepting applications is the Economic Injury Disaster Loan (EIDL) program. 

For more information, please visit the Covid-19 Business Information and Resources page on the California Capital website.