City of Lodi Hometown Microloan Program

A specialized loan program for entrepreneurs and business owners in the City of Lodi

Thanks to a partnership between the City of Lodi and California Capital FDC, business owners and entrepreneurs in Lodi, California now have more access to funding to start or grow their businesses.  

What to Know

The Hometown Microloan Program is designed for Lodi-based businesses who have faced barriers to accessing traditional loans. Here’s what you need to know:

  • Loans available up to $50,000 

  • Businesses must have 10 or fewer employees 

  • Loans have a 5% fixed interest rate

  • Loan proceeds must be used within Lodi city limits

  • Loans can be used for equipment, vehicles, interior and exterior improvements, fire suppression equipment, and refinancing higher interest rate loans. 

The California Capital Lending Center will administer the loan process, and we’ll work closely with you to complete the loan application. Borrowers will also have access to our network of no-cost business counseling for ongoing support. 

How to Get Started

First, read California Capital’s Business Loans FAQs to get familiar with what you’ll need to apply for a loan. Then, complete our Loan Inquiry Form to get started, and we will get in touch with the next steps.