At a glance
From its website, read 2 Nov 2026California Capital Small Business Financial Development Corporation is a loan fund based in Sacramento, California. Its website describes microloans and small-business loans. Where it lends: Specified California counties, varying by loan program; Lodi-based businesses for one program. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (916) 442-1729 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.cacapital.org |
| Office (official list) | 1792 Tribute Rd, Suite 270, Sacramento, CA 95815 |
What their website says about applying
Fill out our Lending Inquiry Form.
sourceNote that your pre-application is NOT COMPLETE, until you make an account on Lenderfit.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | are up to 9.75%. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
we rely primarily on your history of handling credit, good or bad, to help determine if you qualify for the requested loan.
source - Collateral required
Collateral may include various types of business assets such as accounts receivable, inventory, equipment, business and/or personal real estate.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jan 2026 |
| RSSD ID | — (none listed) |
| Address | 1792 Tribute Rd, Suite 270, Sacramento, CA 95815 Directions (Google Maps) |
| Website | www.cacapital.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan guarantees on partner bank loans are excluded because the lender does not lend those directly; Women's Business Center and SBDC are advising programs. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Microloans | up to $50,000 | Microloans up to $50,000 | source |
| Small-business loans | up to $150,000 | Small Business Loans up to $150,000 | source |
Loan sizes
Service area
Specified California counties, varying by loan program; Lodi-based businesses for one program
Loans of up to $150,000 are available for small businesses in Amador, Butte, Calaveras, Colusa, El Dorado, Glenn, Lake, Lassen, Modoc, Napa, Nevada, Placer, Plumas, Sacramento, San Joaquin
source
Borrower focus
- Startups
We provide business loans to both existing and startup businesses.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Once you’re logged into your Lenderfit account, you’ll see a checklist outlining the application process, as well as the first set of documents we require to evaluate your request.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.2 million in 9 awards from the U.S. Treasury's CDFI Fund, 2002–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $608,141 |
| 2022 | CDFI Program, Financial Assistance | $325,000 |
| 2021 | CDFI Program, Financial Assistance | $155,000 |
| 2021 | CDFI Rapid Response Program | $285,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Financial Assistance | $125,000 |
| 2018 | CDFI Program, Technical Assistance | $125,000 |
| 2002 | CDFI Program, Technical Assistance | $190,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $4.8M |
|---|---|
| Total liabilities | $1.5M |
| Net assets | $3.3M |
| Total revenue | $4.1M |
| Notes and loans receivable, net (Part X line 7) | $2.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 94-2861631, filed as “CALIFORNIA CAPITAL FINANCIAL DEVELOPMENT CORPORATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $3.9M | $2.9M | $4.8M | $1.8M |
| Jun 2022 (990) | $3.9M | $3M | $3.6M | $2M |
| Jun 2023 (990) | $4.8M | $3.3M | $4.1M | $2.1M |
Total assets grew 23% from Jun 2021 to Jun 2023; notes and loans receivable rose 18%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $4.8M | Larger than 17% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 17% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Sacramento and California
- Economic Justice FundLoan fund · Sacramento, CAOfficial list only
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
Work at California Capital Small Business Financial Development Corporation? Link to this page
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